Homeowners Insurance in New York
The house is usually the biggest thing a family ever insures. We quote it across 30+ carriers, set the dwelling limit to what it would actually cost to rebuild, and walk you through what's excluded before you buy.
The house is usually the biggest thing a family ever insures. We quote it across 30+ carriers, set the dwelling limit to what it would actually cost to rebuild, and walk you through what's excluded before you buy.
The standard New York homeowners policy is called an HO-3. Here's what each part of it does, in plain English.
Pays to repair or rebuild the structure of your home after a covered peril: fire, windstorm, hail, lightning, or vandalism.
Your furniture, electronics, clothing and belongings, covered against theft or damage at home and sometimes away from it.
Protects you if someone is injured on your property or you accidentally damage someone else's. Pays legal fees and settlements.
If a covered loss makes the house uninhabitable, this pays for hotel stays, meals and other costs while repairs are made.
Detached garages, fences, sheds and anything else on the property that isn't attached to the main dwelling.
Pays minor medical bills for guests injured on your property, regardless of fault, which can keep small incidents from turning into larger liability claims.
Answered the way we'd answer them on the phone.
You need enough dwelling coverage to fully rebuild your home at current construction costs — not just its market value. Nassau County rebuilding costs are typically $200–$350 per square foot. We'll calculate the right amount for your specific home.
No — standard homeowners policies exclude flood damage. Long Island and Nassau County homeowners in flood-prone areas should consider a separate NFIP or private flood policy. We write both.
Yes, and it's one of the best ways to lower your premium. Most carriers offer 10–20% discounts when you bundle. We'll compare bundled vs. separate quotes to find the best deal.
Key factors include your home's age, construction type, roof condition, proximity to a fire station, your claims history, credit score, and the coverage limits and deductibles you choose.
Run the instant tool for numbers now, or send the basics through the quote form and a licensed agent will shop it for you. Most Nassau County homeowners quotes are ready the same day.