Who regulates homeowners insurance in New York?

The New York Department of Financial Services (dfs.ny.gov) licenses carriers and agents and handles consumer complaints.

Is flood insurance required in New York?

Flood insurance is required by federally backed lenders for properties in FEMA Special Flood Hazard Areas. Long Island and NYC-metro coastal homeowners should carry it even outside mapped flood zones.

What is the New York FAIR Plan?

The New York Property Insurance Underwriting Association (nyfairplan.com) is the insurer of last resort for New York homeowners who cannot obtain coverage in the private market.

Does New York require homeowners insurance?

New York law does not mandate homeowners insurance, but lenders require it as a mortgage condition.

How can I compare homeowners insurance carriers in New York?

Use the NAIC's complaint ratio tool at naic.org and verify carrier licensure with the DFS at dfs.ny.gov.

Homeowners Insurance in New York

New York's coastal geography (Long Island, NYC metro, Hudson Valley) creates nor'easter and hurricane wind exposure; upstate regions face severe winter storms and flooding. Superstorm Sandy highlighted the coastal flood-coverage gap.

More New York guides

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