Find cheap New York home insurance quotes from Ocean Harbor Casualty, Kingstone Insurance Company, State Farm, and more. Yearly rates start at $783.
Here’s what you need to know about home insurance in New York state, including the average cost of a policy and the top-rated companies.
See the options for cheap home insurance in New York. Also find out what kinds of disasters to expect if you live in New York, and how to find the right insurance for them.
Homeowners insurance in New York City starts at $896 per year. Compare quotes from Ocean Harbor Casualty, State Farm, Allstate, and more.
Where you live can change what your homeowners insurance covers. See what's covered in New York and talk to an agent to learn more.
Homeowners insurance typically includes six distinct types of coverage. ; Dwelling coverage (Coverage A) relates to your home’s physical structure ; Other structures (Coverage B) encompasses things like your detached garage, driveway, fence, tool shed, pool, and so on) ; Personal property protection (Coverage C) covers your personal property, whether that’s your stereo, sunglasses, or sofa ; Loss of Use (Coverage D) assists with additional living expenses (like hotel bills) if your place becomes uninhabitable due to a specific peril like a fire or windstorm.
Insurer, Average Annual Rate in New York ; MetLife, $742 ; State Farm, $748 ; NYCM Insurance, $812
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