Finding homeowners insurance shouldn't be complicated. Compare New York rates by city and carrier below.
Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners policy protects your dwelling, personal property, and other buildings in the event of a variety of circumstances, such as fire, theft, vandalism, or wind damage.
Major gaps exist in homeowners insurance costs on a state-by-state basis. Insurance policy prices by state vary based on the value and number of home policy claims lodged in that particular state, and also on the price of the belongings and home you're insuring.
The best way to find a cheap home insurance policy in New York is to compare rates and consider policies from as many homeowners insurance companies as you can. Learn more about home insurance rates in New York via the below breakdown. Your rates may vary, depending on your coverage details.
Homeowners insurance rates in New York vary based on the insurance company you use. MetLife offers the most affordable home insurance in New York, at just $742 annually. This compares favorably to the state's average cost of $1,262, offering a $520 discount on rates typical to the state.
Begin the hunt for cheap home insurance by checking out the cheapest New York home insurance carriers, listed below.
| Company | Average Annual Rate in New York |
| MetLife | $741.64 |
| State Farm | $748.36 |
| NYCM Insurance | $812.35 |
| Travelers | $847.09 |
| Preferred Insurance | $900.40 |
Home insurance rates in New York vary depending on the city. Policy rates rely on on city-specific variables like the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.
The most affordable home insurance in New York is found in Irondequoit. An average home insurance policy in Irondequoit costs just $859 per year — $402 less than the statewide average. The below cities have the most affordable home insurance in New York.
| City | Average Yearly Home Insurance Rate |
| Irondequoit | $859.23 |
| Cheektowaga | $896.68 |
| Tonawanda | $910.66 |
| Binghamton | $941.41 |
| Rochester | $986.86 |
If you want to save on insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and home insurance in New York can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in New York results in yearly savings of $95.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,602.00 | $1,507.00 | $95.00 | 6% |
A great way to save is to bundle your auto and homeowners insurance policies. Start shopping today!