Home Insurance in New York
Covers the structure of your home, your belongings, and your liability as a homeowner. What it does not cover — flood, earth movement, wear and tear — is as important as what it does.
What is different in New York
New York is a no-fault state with mandatory PIP and uninsured motorist coverage, and its bodily injury requirement rises to 50/100 where an accident causes death. Coastal Long Island carries hurricane deductibles and leans on NYPIUA; New York City policies are dominated by water damage and liability rather than wind.
Exposures that shape pricing here
- nor easter
- hurricane
- winter storm
- coastal flood
Agents and local rules in New York
Home Insurance reading
- Coverage explainedHomeowners insurance explained: the six parts of the policyA home policy is six coverages, and the first one silently sets the size of three others. Here is how the structure works and where it goes wrong.Aug 2026 · 7 min read
- Buying guidesHow to choose an insurance agentAnyone can quote you a price. The differences that matter are who the agent represents, how they are paid, and what they write down.Aug 2026 · 6 min read
- Buying guidesWhat a declination letter is, and why you want oneIf you turn down a coverage your agent recommended, ask for it in writing. Here is what that document should contain and why it protects you.Aug 2026 · 3 min read
- ClaimsWhat happens when you file a claimFrom the first call to the final payment: who does what, why the first cheque is often smaller than expected, and where the process usually stalls.Aug 2026 · 5 min read