New York Home Insurance Quotes

New York home insurance coverage and rates information.

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Shopping for New York homeowners insurance quotes just got easier. Fill out one quote form on HomeInsurance.com and our team of licensed agents will compare your policy with the top rated insurance providers in the country. It's the easiest way to know you're getting the best home insurance rates in New York. We are now offering comparative rates on auto insurance too, which could save you even more.

Average New York home insurance rates in September were approximately $622.00 which have increased since August when rates were around $612. Average rates in the area reflect premiums on new policies sold by HomeInsurance.com in New York. For a full list of premiums by state visit our RateReport.

Average Premiums for Home Insurance In New York
Sep 2011Aug 2011Jul 2011Jun 2011May 2011
$622.00$612.00$602.00$592.00$581.00

Since rates have increased in recent months, it's important to continue to save money and find great coverage on your New York homeowners insurance. Be sure to review your policy with a HomeInsurance.com agent regularly to ensure that you are qualifying for all available discounts. Also, check your policy to be sure you are still getting the coverage you need for your home and family.

Standard New York Home Insurance Coverages

Coverage
A

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
B

Other Structures: Other structures such as detached garages or sheds would also be covered under a standard New York home insurance policy
C

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.
D

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.

E

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.
F

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.

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Customer Reviews in New York

The top 4 customer reviews on HomeInsurance.com service and savings in New York.
4 Star Rating
Savings: $100/year
Customer: Karen K.
Date: Aug 04, 2010
Great service that saved me a lot of time and some money!
Albany, NY
4 Star Rating
Savings: $153/year
Customer: Karen S.
Date: Jan 15, 2010
Great customer service.
Amsterdam, NY
4 Star Rating
Savings: $250/year
Customer: Robert S .
Date: Oct 28, 2009
It was quite easy. I got a quote on my home and auto insurance within 15 minutes with an A-rated company. Very easy.
Walden, NY
4 Star Rating
Savings: $200/year
Customer: Allison C.
Date: Mar 20, 2009
Great over-the-phone customer service.
Shortsville, NY

For additional information about specific insurance laws in New York, visit the New York State Insurance Department website.

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