5427 Shady Ave, Lowville, NY  13367 • (315) 376-7131 • (315) 376-6031

Our Services

Homeowners, Business, & Auto Insurance

Homeowners

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.

There are two ways to insure the structure and personal property of your home:

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.

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.

Business Services

At North Country Estates, Inc., we have a wide range of insurance companies to handle your Commercial insurance needs for the one person business through the large multi-location business.

To request a review of your commercial insurance needs, please send an e-mail request to This email address is being protected from spambots. You need JavaScript enabled to view it. and one of our commercial specialists will contact you to review your insurance needs.

We offer the following coverage's:
Property, General Liability, Commercial Automobile, Workers' Compensation, Disability, Commercial Umbrella Liability, Boiler & Machinery, Crime, Fidelity Bonds, and Surety Bonds.

Auto Insurance

At North Country Estates, Inc., we have a wide range of insurance companies to handle your automobile insurance needs. Our extensive markets can insure your pride and joy, whether it be a Classic, or a brand new automobile.

If you would like to obtain a quotation for insurance, please complete our request for auto insurance, and we will contact you to review your automobile insurance needs.

The State of New York requires all registered motor vehicles to be insured for liability, personal injury protection (PIP), and uninsured motorists coverage. Collision, comprehensive, and other coverage enhancements are optional.

What is Collision Coverage?

Collision coverage pays for damages to your vehicle caused by your vehicle striking other objects such as other vehicles, trees, telephone poles, or for the vehicle overturning. The standard deductible is $200, which you will be responsible for in the event of a loss. Higher deductibles are available, which will reduce the premium.

What is Liability Coverage?

Liability coverage pays for injuries to other people (bodily injury) or damages to their property (property damage) if you are responsible for their losses. New York State law requires bodily injury limits of $25,000 per person, and $50,000 per accident, and $10,000 for property damage. Some companies sell a combined single limit for bodily injury and property damage of at least $35,000 per accident. Both of these options are the state minimum.

With the rising costs for health care, and vehicle repair cost, we recommend that you purchase higher limits of liability coverage at an additional cost. The cost to increase coverage is not as high as you may think.

What is Uninsured Motorists Coverage?

Uninsured motorists coverage protects you against other drivers who have no insurance and are legally responsible for injuries to you, or your passengers. The minimum limit however is only $25,000 per person, and $50,000 per accident. Higher limits are available up to your liability limit.

What is Comprehensive Coverage?

Often know as "other than collision", this coverage repairs damages to your vehicle as a result of: Missiles or falling objects; Fire; Theft or larceny; Explosion or earthquake; Windstorm; Hail, water or flood; Malicious mischief or vandalism; Riot or civil commotion; Contact with bird or animal; or Breakage of glass. The standard deductible is $200, which you will be responsible for in the event of a loss. Higher deductibles are available, which will reduce the premium. Full coverage window glass is also available, which would replace the window glass without a deductible, with an additional premium.

What is Personal Injury Protection (PIP)?

Mandatory personal injury protection will pay first-party benefits to reimburse for injuries sustained by an eligible injured person for medical expenses, loss of earnings up to a maximum of $2,000 per month, and other reasonable and necessary expenses. The minimum amount of coverage is $50,000, and higher limits are available. Upon the death of an eligible injured person, PIP will also pay to the estate of such person a death benefit of $2,000.

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