New York, NY Homeowners Insurance - How To Buy Guide

Gavop shows you how to buy homeowners insurance in New York, NY by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

Compare Quotes from Top Providers and Save now!

Select the Suitable Coverage Value for your New York, NY Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $180,000 $160,000 $175,000-$200,000
2 Bedroom $399,000 $370,000 $400,000-$500,000
3 Bedroom $623,500 $540,000 $600,000-$700,000
4 Bedroom $673,000 $600,000 $600,000-$700,000
5 Bedroom $714,500 $620,000 $700,000-$800,000

Choose the Right Deductible for your New York, NY Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
New York $500 $1,520 $2,020 $1,260 $1,760 $260
New York County, NY $1,500 $2,030 $2,530 $1,740 $3,240 $-710
New York, NY $700 $2,060 $2,560 $1,720 $2,420 $140
Newark, NJ $200 $1,110 $1,310 $930 $1,130 $180
Saddle Rock, NY $2,500 $2,670 $3,170 $2,260 $4,760 $-1,590
Clifton, NJ $400 $1,020 $1,420 $870 $1,270 $150
Freeport, NY $700 $1,100 $1,600 $900 $1,600 $0
Hazlet, NJ $300 $1,050 $1,350 $870 $1,170 $180
Aberdeen, NJ $2,500 $1,440 $1,940 $1,190 $3,690 $-1,750
Bethpage, NY $500 $1,700 $2,200 $1,410 $1,910 $290
South Farmingdale, NY $1,500 $1,130 $1,630 $970 $2,470 $-840
Port Jefferson Station, NY $100 $1,140 $1,240 $920 $1,020 $220
Green, NJ $2,000 $1,650 $2,150 $1,350 $3,350 $-1,200

Identify Top Home Insurance Agents near New York, NY | Back to Top

Home Insurance Company New York, NY Homeowners Insurance Agency New York, NY Address Popularity Score Distance from New York (miles)
Travelers Narrows Insurance Agency Inc 9201 4th Ave 7th Fl, Brooklyn, NY, 11209
6.7
Allstate Sarah Sibadan 10205 101st Ave, Ozone Park, NY, 11416
8.9
Travelers Lawley Westchester Group 565 Taxter Road, Elmsford, NY, 10523
25.5
Travelers Resource Group Inc 111 East 85th St - Ste 14c, New York, NY, 10028
5.3
Allstate Nazim Khan 17217 Hillside Ave, Jamaica, NY, 11432
11.4
Travelers General Marine Inc 1325 Sixth Ave Ste 2800, New York, NY, 10019
3.7
State Farm Brian Levitt 704 5th Ave, Brooklyn, NY, 11215-7098
3.6
State Farm Dick Flanagan 146 E 78th St, New York, NY, 10075-0351
4.9
State Farm Darryl Dodson 17215 Hillside Ave, Jamaica, NY, 11432-4643
11.4
Allstate Darwin Wong 1103 Lexington Ave, New York, NY, 10075
4.9

Compare Rates for New York, NY Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
New York $295,300 $1,620 $1,150 $2,300 $1,150
New York County, NY $827,300 $1,900 $1,310 $2,680 $1,370
New York, NY $501,500 $1,910 $1,390 $2,710 $1,320
Newark, NJ $264,400 $1,270 $880 $1,790 $910
Saddle Rock, NY $1,000,001 $2,500 $1,830 $3,580 $1,750
Clifton, NJ $349,300 $1,120 $810 $1,600 $790
Freeport, NY $354,900 $1,420 $1,010 $2,000 $990
Hazlet, NJ $327,600 $1,340 $960 $1,920 $960
Aberdeen, NJ $319,600 $1,090 $780 $1,490 $710
Bethpage, NY $447,400 $1,700 $1,210 $2,330 $1,120
South Farmingdale, NY $403,600 $1,700 $1,170 $2,360 $1,190
Port Jefferson Station, NY $356,500 $1,680 $1,160 $2,340 $1,180
Green, NJ $412,000 $2,020 $1,390 $2,810 $1,420

Research Home Insurance Companies Reviews in New York, NY Before Buying | Back to Top

Share a review on your home insurance company


USAA Home Insurance Reviews

Date: September 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I am cover from the walls in. Anything outside the home is not covered. I have some coverage on personal belongings.


Date: September 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I wouldn't know about other insurance company. I've always used USAA

Date: September 19, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
The CSR I worked with was really helpful and explained everything thoroughly. She was patient with me and didn't seem to mind repeating herself.

Date: September 18, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
Essentially, everything is covered by my home insurance policy. USAA is a wonderful organization who places its customers first.


Date: September 17, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
Anything that is automated works extremely well. The human component is really lacking. They need to train their customer service reps better.

Date: September 15, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
It comes up quickly and allows my user ID and password to be saved. It texts me a security number that I enter to get in. I also have checking and savings with them.

Date: September 14, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
The only communication I have had to have with them is when I signed up. I haven't had to file any claims yet but I am hopeful that they will be willing to help if I ever do.

Date: September 02, 2018    Age: >60 years    Gender: Male    Marital Status: Married

Premium
The coverage we get through USAA is about the same when compared to the last insurance company we went through. The difference is cost. USAA is a little cheaper.

Date: September 01, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
I actually have too much insurance. I don't have a garage and my deck is not yet built. Tree damage from and to neighbors is not covered.


Date: August 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
USAA is highly accessible, they have a 24-hour call center that is staffed with people who want to help you fix the problem, not upsell you to a different package.

Date: August 24, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Website/App
It is super easy to make and manage a claim online

Date: August 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Their website is better than their human interaction. My last name is spelled wrong and I can't seem to find get it fixed. Everybody seems confused and disorganized.

Date: August 17, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
The customer service is excellent. I have never been placed on hold and I am always able to speak to a real, true English speaking, person

Date: August 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
Honestly, I don't care what the premiums are for other companies, the amount of coverage that my family receives is more than adequate and the customer service at USAA alone is worth the premium.

Date: August 06, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I have checked four other companies and they were all above 1000. This happened within the last three months. I had a small claim last year so I figured that had something to do with it.

Date: August 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
The USAA APP and Web page are incredibly simple and intuitive to use. Everything is in a logical place and there is always someone available to help.

Date: November 23, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
Everything is easy to find any to pay my premiums for the month. It's easy to navigate and rarely goes down.

Progressive Home Insurance Reviews

Date: November 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
My home insurance have a lot to offer compare to other companies. They have good offers that are appeal compare to others. The premium prices are very affordable.


Date: November 18, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
The premium is 200 a month and the deductible is quite high. However, at least Progessive gave us insurance. We had to have insurance to get a loan to update our home. It is like running in circles!

Date: October 04, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
Standard replacement for my dwelling and contents. Accident insurance for home accidents. Special rider for my fruit trees. Special rider for in-home business coverage.


Date: October 03, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
I'm not sure if the premium is reasonable or not. I've never made any comparisons but I will tomorrow.

Date: September 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I like the way this company has rewarded me for loyalty. I also like that the only time I ever had to contact them, they went above and beyond to help me with the issue.

Date: September 23, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
my company doesn't have a mobile app or a website. They are very old-fashioned.

Date: September 19, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
the home, anything inside of it including furniture, appliances, outbuildings, medical expenses.


Date: September 04, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
I've never spoken to them. We have lived here for 14 years and just went with them because the previous owners used them too.

Date: August 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I have used Progressive for my commercial insurance and auto insurance for several years, so when I bought my home, I was able to bundle my homeowners with those and pay significantly less than I would with just homeowners from another company.

Date: August 09, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
I don't use their mobile app or their website myself as I usually handle everything with my agent over the telephone.

Date: June 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have only had to deal with an actual customer service representative from the company one time in over 5 years and they worked very hard to answer my questions and resolve the issue I had.

Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Communication
I don't really know, I never hear from them. The fee is taken from my escrow account.

Farmer's Insurance Home Insurance Reviews

Date: September 29, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
They have given me discounts, and also other specials that I have received for being a customer for so long. Also, the way that they provide offices locally, as well as agents on the phone, and web. And the low price, and how it has remained low over the last 10 years compared to other company's.

Date: September 22, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
The premium I pay was slightly higher than others I'd been quoted in my area, however the support and communication I received from Farmers Insurance representatives was far and above what I experiences from the local competitors. Not everything is about price, sometimes good service far outweighs a slight cost advantage~

Date: September 20, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Coverage for the structure of the home; Coverage for my personal belongings; Liability protection and injury coverage; Coverage for Additional Living Expenses


Date: September 04, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
The website seems to be fine and functional, however to my knowledge there is no known mobile app. It would be handy and would be a factor in whether I'd use some of their 'additional' policy coverages that offer coverage for theft of items while AWAY from my home etc..

Date: August 09, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
The agents are well spoken, and also polite. They always treat us with respect and go out of their way to help at all times.

Date: August 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
When I needed to actually use my insurance after a some smoke damage to one room of my home the customer service was excellent, and adjustor was at my home within the week and all of my questions were answered. My premium did not change as I hadn't used my insurance for claims to date.

Date: July 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Overall I've been very satisfied with the customer service I've received, mainly when I contact them. It's relatively instantaneously without wait times my questions are always answered and any callbacks were always met and on time.

Date: July 26, 2018    Age: >60 years    Gender: Female    Marital Status: Unmarried

Customer Service
They are always easy to get in touch with if I need them. I feel like they can handle any question that I might have. Also, they go out of their way to help at all times.

Date: June 08, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
The layout of the website is very clean and easy to use. Also, I love how the app, and the site, both display the same information. And their servers are fast, I have never experienced a delay at all.

Date: December 22, 2017    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
The home itself, the surrounding structures and fencing etc. Also my belongings inside the home and any medical costs related to injury from home fire, earthquake etc.


State Farm Home Insurance Reviews

Date: December 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I have been extremely happy with the customer service. The local agents office promptly answers the phone during business hours and answer my questions.

Date: October 17, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
Our policy provider covers all of our home contents, inclucindg electronics, kitchen appliances. We have been able to include and add extras to our policy such as bikes.


Date: October 04, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
My homeowners policy covers against fire, acts of God, flooding to some degree. It also covers against theft. Coverage is included for loss on personal possessions when things happen, e.g., a fire.


Date: June 07, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Website/App
The website is much better at providing information than it is at taking requests or following up on them. In my case, I can easily find office hours and ask for a quote, but the former will be easy and the latter a bit more involved, someging you might want to do as you speak with someone

Date: May 13, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Communication
Again, I deal with the local office and they are fantastic. It's a relationship built aver 20 years and they recognize that and reward me for it. Simply a great experience.

Date: March 09, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I deal with all issues through the local office and they are simply fantastic. They know me by name, greet me and understand my needs. They always make the effort to ask more to see if I qualify for further discounts.

Date: November 19, 2017    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I find that the premium is extremely competitive. I have been with them for a while though and qualify for a ton of discounts that I am not sure others have or give beyond an introductory period.

Allstate Home Insurance Reviews

Date: December 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
To comparing other insurance services our company provides the best customer support to the customers. It was most beneficial to every ones.

Date: September 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
They covered a fwelling coverage, helping me to pay for the whole repair of the physical structure of my home


Date: September 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Customer Service
They have an excellent customer service. From the moment you contact them they help you showing a lot of interest and concern in your case

Date: August 11, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
I had another insurance befre and it was not agood experience. They never had the answers I need. Allstate is always there helping me from the very first time

Date: July 31, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
I have nothing bad to say when it comes with the communication. In the moment you call them they answer you giving you all the answers you need

Date: November 19, 2017    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like a lot their website and mobile app because explains every little detail you need to know about your insurance including its pros and cons

Feltner Group Home Insurance Reviews

Date: September 19, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
it is quite the same as other companies so we don't have edge over anybody if we think about it.

Date: September 14, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
I like that they have covered so much important things in the house like walls, fences, ceilings, faucets, wiring, heating, central air conditioning, garage all this is covered by the insurance company under our contract. I dislike that they do not cover additional living expenses when the house is under repair

Date: September 03, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
we like their customer service, they always attend our calls and queries nothing to dislike about

Date: July 27, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
damages to the walls, fences, ceilings, faucets, wiring, heating, central air conditioning, garage all this are covered by the insurance company under our contract.


Date: June 11, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
we like that they interact nicely and listen to our problems and concerns, they have always been helpful. have not had any issues with the company yet.

American National Property and Casualty Company Home Insurance Reviews

Date: September 30, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
the premium compared to the insurance company to it is satisfying for me

Date: September 22, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
the interaction communication is very good and communication of the insurance is dislike

Date: September 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
the website is very good and mobile app is satisfied

Date: January 25, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
the customer service is very good and the order insurance is dislike

Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
the covered by home policy offering is very good


Homesite Insurance Home Insurance Reviews

Date: September 10, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Premium
For the coverage, the rate seems reasonable. We are paying less than with our old insurance. The company seems pretty solid so I am not worried they would not be there in an emergency.

Date: July 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
We got our coverage estimate within two days. Then we got all the paperwork within a week. We got all this with just a few emails.

Date: May 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
There is no website or phone app. I am not really sure I need one. I would rather just pay less money and call the company.

Date: November 19, 2017    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
The communication was easy to read and gave us all the answers we needed. It was also sent electronically so we couldn't misplace it.

Date: November 18, 2017    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
The insurance pays to rebuild my house. It also replaces the major appliances in my house.


Narragansett Bay Insurance Company Home Insurance Reviews

Date: October 02, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
Personal liability as well as Hurricane and all other perils other then a hurricane is also covered under my insurance provider.


Date: September 11, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
It was easy to get a hold of a customer service rep and they were extremely nice and pleasant to deal with.

Date: September 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Website/App
I like that its easy to use but it tends to be down a lot for maintenance so It can be inconvenient.

Date: August 25, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
Other premiums offered by bigger insurance companies tend to be a bit cheaper but would not insure my house because it was within 4 miles of the shore.

Date: November 18, 2017    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Communication
I liked that they were pleasant to deal with and very knowledgeable about their services offered.

AAA Home Insurance Reviews

Date: September 29, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Policy Offerings
Very good policy, covers many concerns like fire, flood, etc I feel safe with my home insurance and arent looking to switch as its a big hassle


Date: September 22, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I do not dislike my home insurance, I am very happy with it and do look into changing anytime soon.

Date: August 30, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
The website is up to date and relevant. the mobile app could display information better, but I understand that its a lot of information to display and showing it on mobile may not be the best platform for reviewing your home insurance bill.

Date: August 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I shopped around some, but I am satisfied with my coverage, also its bundled with my car insurance, which adds more to the savings, which is crucial for a middle-class household

MetLife Home Insurance Reviews

Date: September 01, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
My home insurance covers Dwelling Protection, Personal Property Protection, Liability Protection and Other Structures Protection. This protection is offered to repair or replace my home or belongings if they are damaged by fire or theft.


Date: August 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
The premium is very much reasonable and competitive in the market as compared with other companies. The premium is not so high as compared to the benefits offered.

Date: July 31, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
The website of the company looks very much professional and attractive. The navigation is very much easy with good accessibility and user interface.

Date: November 19, 2017    Age: 50 to 59    Gender: Female    Marital Status: Married

Customer Service
The company has a very good customer service. The staff is very much responsive and handles clients very carefully and politely.

Erie Insurance Home Insurance Reviews

Date: October 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
They are very good at sending updates with any changes or new options. Our insurance rep reaches out several times a year to make sure things are going okay and if there have been any changes to the house (new fence) etc, and how we may need to change our policy

Date: September 06, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Besides the physical house, they cover certain theft loss, personal property damage, animals, cash, misc valuables, and even stuff like passports.


Date: August 14, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
The amount we pay seems to be pretty similar to what is paid on average in our neighborhood. We asked a few people what they paid and they are all within the same amount, you know, depending on the size of the house and any additional structures and stuff like that. They gave us one of the best rates vs some others we reached out to.

Date: August 07, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
We had a small shed get destroyed by a lightning strike. They were so easy to work with, and the adjuster who came out was there within 24 hours and was wonderful. They were quick with a turnaround so that we could be reimbursed and take care of the shed. So nice to work with, the adjuster even followed up with us to make sure everything worked out.

Liberty Mutual Home Insurance Reviews

Date: November 30, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The deductible for this company is also a great deal. Fifty dollars and your all set to go if you have your first accident.

Nationwide Home Insurance Reviews

Date: November 25, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
the premium and deductible of my policy as compared to the other home insurance policies with other companies is a lot lower and this is why I love my insurance company.

GEICO Home Insurance Reviews

Date: December 06, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
My experience is good, costumer service is always a good experience. I can give them a 5 because whenever I need the they always are there to help me with my questions or concerns.

Amica Mutual Insurance Home Insurance Reviews

Date: November 21, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
the policy offerings of the company is very interesting and i get more benefit from this company.it is more satisfied.