The best home insurance companies in New York are State Farm, Nationwide, Chubb, Travelers, and Narragansett Bay Insurance Company. State Farm ranks first for affordability, Chubb excels in customer service, and Narragansett Bay Insurance Company leads in coverage options. Compare all our top picks below.
Best Homeowners Insurance in New York
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in New York are State Farm, Nationwide, and Chubb.
State Farm offers the best overall home insurance for most New York homeowners. However, if you have bad credit, Chubb could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in New York?
| State Farm | 90 | 1 | 2 | 5 |
| Nationwide | 80 | 2 | 3 | 2 |
| Chubb | 79 | 5 | 1 | 3 |
| Travelers | 78 | 3 | 4 | 3 |
| Narragansett Bay Insurance Company | 66 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall home insurance providers, the ideal choice varies based on your home type or individual needs. Below, we summarize the top insurers across major categories.
| State Farm | 90 | Overall |
| State Farm | 90 | Older Homes |
| State Farm | 90 | Newer Homes |
| State Farm | 90 | High-Fire-Risk Areas |
| Chubb | 95 | Bad Credit |
| State Farm | 90 | With Claims History |
Best New York Home Insurance by City
Home insurance provider rankings in New York's cities differ widely due to factors like affordability, local service, and coverage options. For example, State Farm ranks best in Albany and Yonkers, while Chubb leads in Syracuse. Below, you'll find the top providers for each city to help you choose the best local option.
| Albany | State Farm | 90 |
| Buffalo | State Farm | 89 |
| New York | State Farm | 90 |
| Rochester | State Farm | 84 |
| Syracuse | Chubb | 89 |
| Yonkers | State Farm | 90 |
Best New York Home Insurance Reviews
Explore our breakdown of top home insurance providers in New York, spotlighting leaders in affordability, exceptional customer service, and comprehensive coverage options, backed by our MoneyGeek Score.
State Farm: Best for Affordability
For most New Yorkers, State Farm is the cheapest overall provider for homeowners insurance. It's also among the best options for customer service in the state, ranking seventh in terms of customer satisfaction according to J.D. Power. Additionally, State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement to cover potential increases in repair costs.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $49 | $587 |
| Newer Homes in High-Fire-Risk Areas | $49 | $587 |
| Older Homes in High-Fire-Risk Areas | $81 | $976 |
| Older Homes | $81 | $976 |
Chubb: Best for Customer Service
Chubb may be the most expensive provider on our list, but it leads in customer service among New York home insurance companies. It holds the top claims satisfaction score and customer satisfaction score, according to J.D. Power. Also, Chubb offers unique add-ons like employment practices liability coverage for household staff, and valuable articles insurance with agreed value and breakage protection for collectibles.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes in High-Fire-Risk Areas | $62 | $738 |
| Newer Homes | $62 | $738 |
| Older Homes | $76 | $917 |
| Older Homes in High-Fire-Risk Areas | $76 | $917 |
Nationwide: Best for Coverage
Nationwide is the second most affordable option for home insurance in New York, and a top option for customers looking for the best coverage options. Its extensive coverage includes add-ons like better roof replacement and doubling dwelling coverage limits. According to J.D. Power, Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $61 | $736 |
| Newer Homes in High-Fire-Risk Areas | $68 | $813 |
| Older Homes | $105 | $1,263 |
| Older Homes in High-Fire-Risk Areas | $116 | $1,394 |
How to Find the Best Home Insurance in New York
Use our step-by-step guide to help you find the coverage that best fits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in New York to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in New York. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
- 5
Make an informed decision
Analyze all the gathered information and ensure the policy you choose aligns with your coverage needs and budget.
Best Homeowners Insurance in New York: Bottom Line
State Farm, Nationwide and Chubb are the best-rated homeowners insurance providers in New York. While these are strong recommendations, researching and comparing providers will help you find the best fit for your specific needs.
Best Home Insurance in New York: FAQ
We've compiled answers to your questions to help you choose the right home insurance provider in New York.
Which company is best for home insurance in New York?
State Farm is the best homeowners insurance provider in New York, boasting affordability, exceptional customer service, and a comprehensive range of add-on coverage options. Nationwide, Chubb, Travelers, and Narragansett Bay Insurance Company are also top-rated choices in New York.
Who has the most affordable homeowners insurance in New York?
Cheapest homeowners insurance in New York varies based on individual circumstances. However, the average cost of homeowners insurance in New York is $1,256 annually.
How do you get the best homeowners insurance in New York?
To find the best home insurance in New York, decide on coverage requirements, research costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in New York: Our Methodology
We rated the best homeowners insurance providers in New York using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.