New York Homeowners Insurance

From Staten Island to Astoria, Queens and Manhattan and from upstate towns like Schenectady, Albany and Auburn, getting a New Yorker to agree on their favorite sports team or type of food is nearly impossible. But getting homeowners in The Empire State to agree on the fact that they all need New York homeowners insurance to protect their property is an easy win.

That’s because the latter is just a fact of life, and Clovered can help every homeowner in the state get an affordable and reliable New York homeowners insurance policy within minutes. Our online multi-rater tool compares quotes from the best homeowners insurance companies in New York, so you always get the best coverage at the cheapest price.

What’s Covered With a New York Homeowners Insurance Policy?


Coverage A – Dwelling

☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in New York?

New York is home to extraordinary summer weather, from the Finger Lakes region to the Niagara Falls wine region and the booming metropolis of New York City. But its winters are bitterly cold, dropping feet of snow on houses and freezing pipes all across the state. Luckily, homeowners insurance in New York was designed to combat these issues. Here’s everything a policy will protect your home and belongings from.

  • ☘ Vandalism
  • ☘ Theft
  • ☘ Damage caused by vehicles
  • ☘ Damage caused by aircraft
  • ☘ Rioting or civil disturbances
  • ☘ Smoke damage
  • ☘ Fire or lightning
  • ☘ Windstorm or hail, such as a hurricane or tornado
  • ☘ Explosions

  • ☘ Volcanic eruptions
  • ☘ Frozen pipes
  • ☘ Falling objects
  • ☘ Damage caused by heating, air conditioning or plumbing
  • ☘ Damage due to snow, ice or sleet
  • ☘ Damage from water heater, including cracks, burns or tears
  • ☘ Damage from electrical currents, such as downed powerlines

How Much Does Homeowners Insurance Cost in New York?

The average cost of homeowners insurance in New York is about $1,300 per year for $200,000 in dwelling coverage, $100,000 in liability coverage and $30,000 in personal property coverage. That’s about $200 above the national average, but it’s still an extremely great price — especially when you compare it to the peak prices in a handful of other states.

The average cost of homeowners insurance in New York depends heavily on how much your home is worth, how much coverage you enroll in and many other factors like your claims history. To get the cheapest homeowners insurance in New York, you’ll want to get a quote from Clovered!

  • Average Cost of Homeowners Insurance in New York: $1,300 per year

How to Get the Best Homeowners Insurance in New York

If you’re searching for the best homeowners insurance in New York at the cheapest price, you’re in the right place. Clovered has teamed up with some of the best homeowners insurance companies in the state to provide everyone in The Empire State with the best policy at the best price.

After you enter your address and answer a few questions in our multi-rater quoting tool, we compare quotes from the state’s top insurers in the backend. Then, within minutes of beginning, we’ll provide you with a few quotes that meet your coverage needs and monetary requirements.