Insurance agents in New York

What the law requires, what the local market looks like, and how to find an independent agent in New York who has been reviewed by a person and holds to published practice standards.

The local market

Insurance 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.

Exposure

What drives claims here

These shape pricing, deductible structure and carrier appetite in New York. Several are excluded from a standard homeowners policy and have to be written separately.

nor easter
hurricane
winter storm
coastal flood

Last resort

If the standard market will not write you

New York operates a residual market plan for risks private carriers decline. These are a last resort — usually narrower coverage at a higher price — but they exist so a property is not left uninsured.

New York Property Insurance Underwriting Association

Property coverage of last resort, used heavily on coastal Long Island.

Recourse

If something goes wrong with an insurer

Complaints about a carrier or an agent go to the New York Department of Financial Services . It regulates every insurer and producer licensed in the state, and filing a complaint is free.

You can also check whether an agent is properly licensed there before you buy — something worth doing regardless of where you found them.

Coverage in New York

Every line of coverage is regulated at the state level, so what a policy includes — and what it excludes — changes at the state line.

New York counties

Rating territories, catastrophe exposure, fire protection class and windstorm zones are all set below the state line, which is why counties matter more than they look like they should. There are 62 in New York.