The Best Home Insurance in New York for 2025

Chubb, Andover Companies and USAA are the best home insurance companies in New York, according to our analysis.

To help you find the best home insurance in New York, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.6 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in New York.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company's policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders may be eligible for the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

The Andover Companies’ home insurance generally comes with more coverage than a standard home insurance policy provides. In particular, Andover stands out for providing guaranteed replacement cost coverage for most homes. This means Andover will pay to rebuild your home after a covered claim, no matter what it costs.

Most Andover policies also include replacement cost coverage for your personal belongings, which means you’ll get enough to buy brand-new stuff after a covered claim. You can add coverage for valuables like jewelry or firearms, or to replace refrigerated food you have to throw out after a covered power outage.

» READ MORE: Andover Companies homeowners insurance review

Amica shines when it comes to customer service. Amica draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can repair or rebuild your home with eco-friendly materials after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Erie stands out by including guaranteed replacement cost coverage for the structure of your home in most of the states it covers. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Many insurers don’t offer this at all, even as an option.

If you bundle your home and auto insurance with Erie, you could get a discount of 15% or more. You may also be able to save on your premium if your home has safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay out only what your items are worth at the time of the claim.

USAA offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in New York is $1,740. That’s 18% less than the national average of $2,110.

In most U.S. states, including New York, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In New York, those with poor credit pay an average of $2,555 per year. That’s 47% more for homeowners insurance than those with good credit, according to NerdWallet’s rate analysis.

» MORE: Does your credit score affect home insurance rates?

How much you pay for home insurance in New York depends on where you live. For example, the average cost of homeowners insurance in New York City is $2,295 per year. In Buffalo, homeowners insurance costs about $1,200 per year, on average. 

Note: City names in the table below are based on the U.S. Postal Service’s preferred names for each ZIP code.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the New York average of $1,740.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when buying home insurance in New York.

Winter weather

Homeowners insurance covers many problems caused by cold temperatures and winter storms, but not all of them. For example, it’ll generally pay to clean up water damage from a frozen pipe or fix your roof if a blizzard knocks a tree onto it. However, it won’t pay for flooding caused by melting snow unless you have flood insurance.

Flooding

A standard homeowners insurance policy won’t cover damage caused by flooding. If your home is in a high-risk flood zone as designated by the Federal Emergency Management Agency, your mortgage lender may require you to buy flood insurance. However, those in low- to moderate-risk areas can also get policies.

» MORE: Do I need flood insurance?

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Hurricanes and tropical storms

If you live in an area at risk of severe tropical weather, check whether your homeowners policy includes coverage for wind damage. Most policies do unless the home is in a high-risk area along the coast. You may also want to check whether you have a separate deductible for wind claims. If so, it may be higher than the deductible for all other types of damage. (A home insurance deductible is the amount of a claim you’re responsible for.) 

To be fully covered for tropical storms and hurricanes, you'll also need separate flood insurance. Learn more about hurricane insurance and deductibles.

The New York State Department of Financial Services oversees New York’s insurance industry. You can check its website to learn about insurance basics or file a complaint. You can also email consumers@dfs.ny.gov or call the agency’s toll-free helpline at 800-342-3736. Translation services are available.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.