North Country Estates, Inc.
5427 Shady Ave., Lowville,  NY  13367    
Phone: (315) 376-7131                                  E-mail:
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The following companies offer 24/7 services online:
- Travelers

- New York Central Mutual

- Progressive


- Farmers Insurance Group

- Foremost

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Homeowner Insurance

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 residence.

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 insurance needs.

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 home.

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.



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