Best Homeowners Insurance in New York

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.

*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.

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.

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.

We give the leaders in affordability, exceptional customer service, and comprehensive coverage options, backed by our MoneyGeek score.

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.

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.

Nationwide is the second most affordable option. Its extensive coverage includes add-ons like better roof replacement and doubling dwelling coverage limits.

Use our step-by-step guide to help you find the coverage that best fits your needs.

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.

We've compiled answers to your questions to help you choose the right home insurance provider in New York.

New York homeowners face insurance challenges from coastal hurricane exposure downstate, lake-effect snow upstate, and high property values across the state that create dramatic rate differences and coverage considerations between regions. We designed this scoring system to identify which insurers offer the best combination of affordable rates, reliable claims service, and adequate coverage for New York's diverse geography and climate risks.

We evaluated providers across three weighted categories that reflect what matters most when you're buying home insurance in New York: 

Affordability (55%) considers premium competitiveness across various coverage levels and homeowner profiles, plus the range of available discounts. 

Customer Satisfaction (30%) draws from ratings on sites like Trustpilot, app reviews, and industry sources like J.D. Power, covering the buying process, policy management, and claims handling. 

Coverage (15%) assesses the number of add-on options, unique features, and availability throughout the state.

Why these weights: Home insurance premiums in New York represent a significant ongoing expense, making affordability the dominant factor for homeowners managing household budgets in one of the country's more expensive insurance markets. Customer satisfaction carries substantial weight because you need an insurer that processes claims efficiently, whether you're dealing with hurricane damage on Long Island, winter storm losses in Buffalo, or frozen pipe damage in the Finger Lakes region.

Coverage options round out the evaluation because New York homeowners face dramatically different risks depending on location. Coastal residents need wind and flood protection, upstate homeowners require coverage for he