Homeowners insurance is an essential part of protecting your house and your personal property against damage from fires, storms, vandalism, and other hazards. The insurance can cover your relocation costs in the event that you cannot live at your home due to a covered loss. You should choose a policy which covers you for all losses possible and fits within your budget.
Best Homeowners Insurance Companies
It can be confusing to choose the right homeowners insurance company. Fortunately, we've done the work for you and compiled a list of the top companies in a number of categories.
Best Auto and Home Insurance Company
Best homeowners insurance companies are known for their excellent customer service and customization. Also, they offer flexible payments schedules and deductibles. They can also add or remove coverage.
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. With its online quote tool, you can provide a few details about your home to receive an estimate of the cost within minutes.
Lemonade has a business model based on a mission that gives the unused portion to charity at the end every year. Lemonade is also the fastest growing insurance provider in the nation, and its customer service team is highly rated.
Chubb: High-end protection for high-net-worth homeowners
Chubb, an insurance company of high quality with a solid reputation for excellent service, is the best choice for homeowners with expensive properties or in areas with high risk. They are also good for those who have had a history with filing claims. Chubb offers a unique add-on policy that sends an expert risk consultant to inspect your home to give you suggestions on how to lower the chances of a claim.
USAA - Military and veteran-specific coverage for active duty or retired military members and their families.
A reputable insurer with an excellent financial strength rating from AM Best, USAA offers several different policies to meet the needs of military members and their families. Its customer service scores are outstanding, and they're available in New York.
Nationwide – Above average claims experience and customer service
Nationwide, the second-best company for home insurance in New York and above average when it comes to customer satisfaction and claim performance. You can also save money on your insurance by using the discounts listed on its website.
State Farm: Flexible in terms of coverage, pricing and customer service
In addition to being one of the top-rated insurance companies in the country, State Farm offers some unique and standout coverages that make it a good choice for homeowners in New York. State Farm’s website and app are simple to use and offer a wealth of resources for both homeowners and agents.
Liberty Mutual offers affordable and comprehensive home coverage through its large network of reputable insurance providers
Liberty Mutual has an A+ from AM Best and a network of reliable insurance companies. The website offers a quote tool as well as a list policy discounts.