The Best Home Insurance in New York for 2025

Chubb and Erie are among the best home insurance companies in New York.

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Written by Sarah Schlichter
Lead Writer & Content Strategist
Profile photo of Caitlin Constantine
Editor & Content Strategist
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Co-written by Kayda Norman
Lead Writer

Chubb and Erie are among the best home insurance companies in New York, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in New York. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,495

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$2,695

4.5

NerdWallet rating 

$5,045

4.5

NerdWallet rating 

$1,970

4.5

NerdWallet rating 

$1,415

4.5

NerdWallet rating 

$2,065

5.0

NerdWallet rating 

Not available

*USAA homeowners policies are available only to active military, veterans and their families.

  • Strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial products that work best for you. See our criteria for evaluating homeowners insurance.

  • More than 270 million rates analyzed by our team of specialists.

  • More than 50 insurance companies analyzed in all 50 states and Washington D.C. (See our top picks.)

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The best home insurance companies in New York

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

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Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica

5.0

NerdWallet rating 
Well-established insurer known for great customer service.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost in case it costs more than your dwelling limit to rebuild your home after a disaster.

Policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

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Erie

5.0

NerdWallet rating 
Best for homeowners who want to work with an agent.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Erie

5.0

NerdWallet rating 
Best for homeowners who want to work with an agent.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Erie offers guaranteed replacement cost for the structure of your home. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit.

Got a car to insure, too? If you bundle your home and auto insurance with Erie, you could get a discount of 16% or more. You may also be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems.

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Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate

4.5

NerdWallet rating 
Widely available across the U.S. with lots of ways to customize your policy.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

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Andover Companies

4.5

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Andover Companies

4.5

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Andover Companies’ home insurance policies generally come with broader coverage for your belongings and more coverage for the structure of your home than a standard homeowners policy provides. (Note that most but not all homes qualify for this coverage.)

Most Andover policies also include a generous amount of ordinance or law coverage, which pays to upgrade your home to current building codes during repairs after a covered claim.

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Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

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Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers

4.5

NerdWallet rating 
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

You may be able to customize your policy with a declining deductible, which will reduce your deductible by $50 each year you have your policy. You can also add claims forgiveness, which means your rates won’t go up because of a claim if you’ve been claim-free for a certain amount of time.

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The Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage

About average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of options such as guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

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Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup, identity theft and stronger materials to replace your roof.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

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State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm

4.5

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected