It is important to protect your home and personal belongings from damage caused by fires, vandalism and other risks. The insurance can cover your relocation costs in the event that you cannot live at your home due to a covered loss. It's important to choose a policy that protects you against all possible losses and that fits your budget.
Best Homeowners Insurance Companies
There are many different homeowners insurance companies in the market, and it can be difficult to figure out which one is right for you. We have done your research and compiled the list of the top insurance companies in several categories.
Best Auto and Home Insurance Company
The best insurance companies for homeowners are those that have a good reputation in terms of customer service. The best homeowners insurance companies offer flexible payment plans, deductibles and the option to add or remove coverage.
Lemonade: No hassle starting at $25/month
This insurer only operates online and uses artificial intelligence for fast quote generation and payment of claims. Its online quote tool allows you to enter a few pieces of information about your home and receive a pricing estimate within minutes.
Lemonade has a business model based on a mission that gives the unused portion to charity at the end every year. It's the fastest-growing company in insurance, and they have a top-rated customer support staff.
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.
USAA is a reputable insurance company with an excellent rating of financial strength from AM Best. It offers several policies that are tailored to the needs and wants of military personnel and their families. Its customer service scores are outstanding, and they're available in 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. The website of Nationwide also lists a variety of discounts you can use to reduce your premium.
State Farm - Flexibility in pricing, coverages and customer service
State Farm is a leading insurance company in New York, and it offers some special coverages. Its website and mobile app are easy to use, and it provides helpful resources for homeowners and their agents alike.
Liberty Mutual - Affordable and comprehensive home insurance with a large network of reliable insurance providers
Liberty Mutual, with an A+ rating from AM Best is a comprehensive and affordable home insurance provider. They have a wide network of reliable providers. This website has a tool that allows you to get a free quote and lists of discounts.