New York
Home and Rental Insurance

The average rate for homeowners insurance in New York is $1,356.
We belive we can beat it!
Source: National Association of Insurance Commissioners. Rates are based on 2020 H-03 policies, the most common package written.

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Important Note!
Don't forget to mention.

When speaking with your insurance agent, be sure to discuss and mention the following points:

  • Coverage Types

    Dwelling Coverage, Personal Property Coverage, Liability Coverage, ALE Coverage and Other Structures Coverage.
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  • Coverage Limits

    Determine how much coverage you need based on your home's value, the value of your possessions, and your potential liability risks. Ensure your coverage limits are sufficient to rebuild your home and replace your belongings.

  • Deductible

    Choose a deductible amount you're comfortable with. A higher deductible typically results in lower premiums, but you'll pay more out of pocket in the event of a claim.

  • Policy Exclusions

    Review the policy's exclusions and limitations to understand what is not covered. Common exclusions may include floods, earthquakes, and wear and tear.

  • Additional Endorsements

    Consider optional endorsements or riders for specialized coverage, such as coverage for high-value jewelry, fine art, or collectibles.

  • Bundles

    Explore the possibility of bundling your insurance policies, such as combining auto and home insurance, to potentially receive discounted rates.
Check the average cost of Homeoweners Insurance in your state
By addressing these topics with your insurance agent, you can ensure that you are informed about potential discounts and coverage options that may be available to you.

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