Northeast market with significant coastal storm, wind, and urban property-value risk.
Flood damage is NOT covered by standard HO-3 policies. NFIP flood insurance available at floodsmart.gov. Check your FEMA flood zone at msc.fema.gov.
Earthquake damage is NOT covered by standard HO-3 policies. Separate earthquake insurance available — in California through CEA (earthquakeauthority.com) or private carriers.
According to the NAIC Homeowners Insurance Report (2021 data), the statewide average annual homeowners insurance premium in New York was approximately $1,568/year. This is a state-level average — not a city-specific figure. Source: NAIC Homeowners Insurance Report (naic.org).
New York State Department of Financial Services — licenses carriers and agents in New York, reviews rate filings, and handles consumer complaints.
New York State Department of Financial Services — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
We've ranked homeowners insurance carriers for 2026 against ClearValue's published methodology.
See best home insurance companies 2026 — editorial picks