Finding the best homeowners insurance in New York can seem challenging. However, the agents at HomeownersInsurance.com have made it easy. Just complete one quick quote form to get comparative rates on the top home insurance coverage in New York. Our team of licensed agents will help you choose the best policy at the lowest price to make sure your home is protected while keeping it affordable.
In May 2013, average New York homeowners insurance rates were around $771. Average rates have decreased since April 2013, when NY homeowners were paying around $757 for standard home insurance coverage.
It's important to review your policy regularly to make sure you are taking advantage of all available discounts. A HomeownersInsurance.com agent can talk to you about the discounts available and see if you are missing out on important savings. While reviewing your discounts, we will also make sure you are adequately covered.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$364†||$609†||$0†||$419†||$1,673|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Gas||Central Oil||Central Oil|
Dwelling: A standard New York homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril
Other Structures: Other structures such as detached garages or sheds would also be covered under a standard New York home insurance policy
Contents/Personal Property: A New York home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings.
Loss of Use: If your New York home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home.
Personal Liability Protection: In New York, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property.
Medical Payments: Medical Payments coverage, or New York MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved.
Click on your New York county below to learn more about homeowners insurance in your area:
For additional information about specific New York homeowners insurance laws and regulations, visit the New York State Insurance Department website.