New York · Home Insurance
New York Home Insurance
Replaces your dwelling, contents, and shields personal liability after a covered loss. Typical New York premium is approximately $1,454/year.
Avg Premium
$1,454/yr
Risk Score
75/100
Consumer Protection
64/100
No-Fault
Yes
Coverage requirements in New York
New York requires minimum liability limits of 25/50/10 under its no-fault system. Most insurance experts recommend higher limits (100/300/100 or 250/500/250) to protect personal assets.
Coverage types
- Coverage A — Dwelling — Rebuild cost for the structure itself.
- Coverage B — Other Structures — Detached garage, fence, shed.
- Coverage C — Personal Property — Furniture, electronics, clothing.
- Coverage D — Loss of Use — Hotel and food while your home is unlivable.
- Coverage E — Personal Liability — If someone is injured on your property.
- Coverage F — Medical Payments — Small medical bills regardless of fault.
Top New York savings opportunities
- Raise deductible
- Wind/hail mitigation
- Bundle with auto
- Security system discount
Common exclusions
- Flood
- Earthquake
- Sewer backup
- Mold (often)
- Wear and tear