Finding competitive, low cost home insurance quotes in New York does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive New York home insurance coverage. Rest assured knowing our team of New York licensed insurance consultants are standing by to give you top notch advice on home insurance coverages and rates in your area.
The average New York home owner insurance rate in January 2010 was $561.00. It appears that rates have decreased since December 2009 when average rates in New York were around $630.00.
Average Premiums for Home Insurance In New York |
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| Sep 2009 | Oct 2009 | Nov 2009 | Dec 2009 | Jan 2010 |
| $656.00 | $633.00 | $635.00 | $630.00 | $561.00 |
Though rates have decreased 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 home insurance policy with your local New York insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your New York home owners insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard New York Home Insurance Coverages
| 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. |
Other New York Homeowners Resources:
- Home Insurance Quiz- How much do you know about your New York home insurance policy? Quiz yourself!
- home owner insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in New York
- New York Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your New York county:
- Yates
- Wyoming
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- Tioga
- Sullivan
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- Albany
For additional information about specific insurance laws in New York, visit the New York State Insurance Department website.
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