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New York Home Insurance

New York home insurance offers the necessary property damage coverage for your home. There are a few different policies to choose from, but two major ones for single family homes. The more basic HO-2 policy protects a home against such perils as fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broad HO-3 policy offers the same perils plus bodily injury liability. This coverage protects you against anyone having an accident on your property and suing you. When you purchase a home using a mortgage lender, they usually require you to carry New York home insurance for the duration of the loan.

New York Home Insurance Coverage

In the state of New York many perils can be evident. Depending on the area you live in, you may need added flood insurance to protect your home against flooding. The normal New York home insurance policy does not cover flood damage. Your home will be protected from hail, the weight of heavy snow, and storm damage. It is always good to review your “exclusions” section of your policy to determine what may or may not be covered by your policy.


New York home insurance came in a little over the national average for homeowners insurance in 2003. Homeowners paid an average $721 for their annual 2003 premium. The New York home insurance rates rose 14.3% from 2001 to 2003.

Saving Money

Many wish to reduce their New York home insurance premium. There are some simple additions you can make to your home to reduce your premium rate. In high crime areas and elsewhere, a homeowner can install an alarm system and deadbolt to receive a discount. By increasing the safety of a home by installing smoke detectors many receive discounts. Many insurance companies offer discounts when you purchase both your home and auto insurance through them. Savings can also be found by shopping around before buying your New York home insurance.

New York Department of Insurance

New York City
25 Beaver Street
New York, NY 10004
Phone: 212-480-6400

For other New York Insurance Resources, See:

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