At North Country Estates, Inc., we have a wide range of
insurance companies to handle your homeowners insurance needs.
Our extensive markets can insure your primary or secondary
home, whether it be an apartment, a manufactured home, or a custom built
If you would like to obtain a quotation for
insurance, please complete our request for homeowners
insurance, and we will contact you to review your property
Homeowners policies are designed for the owned occupant of an apartment
or home, and include coverage for the dwelling, other structures on
premises, personal property, loss of use in the event of a covered
claim, personal liability, and medical payments to others.
The are two ways to insure the structure and personal property of your
1. Replacement Cost - This option pays the policyholder the cost to
repair or replace the damaged property without deduction for
depreciation, but limited to a maximum dollar amount.
2. Actual Cash value - This option pays the policyholder the cost to
replace the damaged property minus an allowance for depreciation. Unless
the policy specifies that the property is covered for replacement cost,
the coverage is for actual cash value.