Insurance for homeowners is essential to protect you and your property from the damage that can be caused by vandalism or storms. If you're unable to stay in your home after a covered event, it can pay for relocation costs. The policy you choose should protect you against all possible risks and be within your budget.
Best Homeowners Insurance Companies
There are many homeowners insurance providers on the market. It can sometimes be difficult to determine which one is best 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 homeowners' insurance companies have an excellent reputation for customer service, customization and a wide range of endorsements. These companies also offer flexible payment options, deductibles, and the ability to add coverage or remove it from your policy.
Lemonade: No hassle starting at $25/month
This is an online-only insurer that uses artificial intelligence to offer notably fast quotes and claim payments. 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. It's the fastest-growing company in insurance, and they have a top-rated customer support staff.
Chubb - High-end coverage for a high-net-worth homeowner
A top-tier home insurance company with a reputation for outstanding service, Chubb is a good choice for those with expensive properties in high-risk areas or those who have a history of filing claims. It has an unusual extra coverage which sends a risk advisor to look at your home and offer suggestions to reduce the possibility of a claims.
USAA - Military and veteran-specific coverage for active duty or retired military members and 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. It has high customer satisfaction scores and is available throughout New York.
Customer satisfaction and claims experience are above average in the United States
Nationwide is rated as the second best company for New York home insurance. They are also ranked above industry averages in terms of customer satisfaction, claims performance, and overall quality. You can also save money on your insurance by using the discounts listed on its website.
State Farm – Flexibility of pricing, coverages, and customer service
State Farm is a leading insurance company in New York, and it offers some special coverages. The website and mobile application are easy to navigate and contain helpful resources both for homeowners and their insurance agents.
Liberty Mutual – Affordable and comprehensive homeowners insurance through a large network.
Liberty Mutual has an A+ from AM Best and a network of reliable insurance companies. Its website features a comprehensive tool for obtaining quotes and a list with policy discounts.