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New York
Home Insurance Quotes and Analysis

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New York Home Insurance - What's Happening

Historic and high demand - that describes homes in New York, from the Adirondacks to Niagara, from the Seaway Trail to the city. New York homeowners insurance options reflect a diverse region.

New York home insurance quotes in Q2 2014 averaged $570 – more than $250 less than the national average. Residents of the state have taken a proactive approach to improving home safety. Features such as smoke alarms and deadbolt locks can lead to lower New York home insurance premiums.

Licensed experts at can get you a free quote. We can start the search for New York homeowners insurance with your ZIP code.

Curious about car insurance? Click here to learn more about auto insurance in New York.

New York Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

The average house in the state is more than 60 years old, something to consider as you research New York home insurance rates. A mitigating factor is that the state's homes tend to be smaller compared with newer homes, a plus when it comes to insurers.


Average year built

Harry S. Truman was U.S. president the year the average New York home was built (1952).


Average home size

Reduced square footage is good for insurance, and savvy space planners make the most of it.


Average replacement cost

At just more than $291,000, home replacement cost in New York is only slightly higher than the U.S. average.


% of homes with sump pump

Twice as many New York homes (31%) have this tool to help with flood prevention as the national average.

Property (Factors related to the property and location)

The fewer risk factors you have on your property, the higher the grade. These risk factors include the cost of structures such as detached garages, fences, and sheds. New York received an A+ for participants not storing ATVs or snowmobiles on their property.

The average cost of other structures (sheds, detached garages, etc.) for New York homes was $22,156. That's more than $4,000 less than the national average. But New York's 21.1% of homes with a swimming pool on site was more than four times the national average.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

New York ranks a couple of percentage points ahead of the national average at 94%. If you have fire extinguishers in your home, you have a better chance at preventing a major fire – and a costly claim.


% of homes with dead bolt locks on exterior doors

New York home insurance carriers could also offer discounts if your home has this extra layer of burglary protection. All homes in our survey had them in place.


% of homes with smoke detectors

Perfect implementation of this anti-fire feature in New York leads to a superior grade, again because it lessens the chance of a major fire claim.


% of homes with security alarms

Nearly 20% of American homes have burglar alarms installed. New York lagged behind at just 6% for this protection against property crime.

Overall Grade - A (new solutions for old problems)

New York's ability to protect its home investments results in a B grade from the staff. The average age of homes in the state is nearly 30 years older than the national average. New York homeowners insurance, then, can become expensive. An effort to add deadbolts and smoke detectors helps to even things out when it comes to New York Home insurance quotes.

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