It is important to protect your home and personal belongings from damage caused by fires, vandalism and other risks. Insurance can also cover relocation costs, if you have to leave your house due to an insured loss. Choose a plan that covers all potential losses, and is within your budget.
The Best Homeowners Insurance Companies
There are many different homeowners insurance companies in the market, and it can be difficult to figure out which one is right for you. We've done all the hard work and put together a list of top companies for a variety of categories.
Best Auto and Home Insurance Company
The best home insurance companies offer excellent customer service. They also have many endorsement options and are flexible. The best homeowners insurance companies offer flexible payment plans, deductibles and the option to add or remove coverage.
Lemonade, no hassles starting at $25/month
This insurer is only available online. It uses artificial-intelligence to deliver fast quotes, and pay claims. This online quote system allows you to provide some basic information about your property and receive a quick estimate.
Lemonade takes pride in a mission-driven business model that donates the unused portion of its home insurance premiums to certified charities at the end of every year. Lemonade is also the fastest growing insurance provider in the nation, and its customer service team is highly rated.
Chubb - High-end coverage for a high-net-worth homeowner
Chubb is an excellent choice for anyone with expensive property in high-risk locations or who has filed a claim before. The company offers an add-on that allows a risk consultant from the company to come to your house and make suggestions about how to minimize the likelihood of a loss.
USAA is a military-specific insurance plan for retired or active military members, as well as their families.
USAA, an reputable insurer and holder of an excellent financial rating by AM Best, offers a number of different policies tailored to military members' needs. The customer satisfaction is excellent and the company offers policies in New York.
Nationwide - Above-average claims experience and customer satisfaction
The second-best home insurance company in New York, Nationwide ranks above the industry average for claims performance and customer satisfaction. You can also save money on your insurance by using the discounts listed on its website.
State Farm - Flexibility in pricing, coverages and customer service
State Farm Insurance Company is one of the most reputable insurance companies in America. It offers a number of unique and innovative coverages, which makes it an excellent choice for New Yorkers. State Farm's mobile app and website are both easy to use and provide homeowners with helpful resources.
Liberty Mutual offers affordable and comprehensive home coverage through its large network of reputable insurance providers
Liberty Mutual offers affordable, comprehensive home insurance through a vast network of reputable insurance providers. This website has a tool that allows you to get a free quote and lists of discounts.