The homeowner's insurance protects your house, your belongings and yourself from vandalism, fires and storms. If you're unable to stay in your home after a covered event, it can pay for relocation costs. You should choose a policy which covers you for all losses possible and fits within your budget.
Best Homeowners Insurance Companies
Many homeowners insurance companies are available on the market. It is difficult to know which one will be best for you. We have done the research for you, and created a list with the best companies in various categories.
Best Auto and Home Insurance Company
The best home insurance companies offer excellent customer service. They also have many endorsement options and are flexible. They also offer flexible payment schedules, deductible amounts and options to add or delete coverage from your policy.
Lemonade – No hassle, starting at $25/month
Artificial intelligence is used by this online-only insurance company to provide fast quotes and payouts. This online quote system allows you to provide some basic information about your property and receive a quick estimate.
Lemonade is proud of its mission-driven model, which donates unused premiums at the end each year to charities that have been certified. It is the fastest-growing insurer in the United States, and the customer support team has a high rating.
Chubb High-end Coverage for a High-Net-Worth Homeowner
Chubb has an outstanding reputation as a leading home insurance provider. This makes it a great option for those who own expensive properties, live in high-risk regions or have a record of making claims. The company offers an add-on that allows a risk consultant from the company to come to your house and make suggestions about how to minimize the likelihood of a loss.
USAA provides military and veteran coverage for members of the active or retired military, and their family members.
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.
Nationwide, above-average customer satisfaction and claims experience
Nationwide, New York's second-best insurance company for homeowners, ranks well above the average in both customer satisfaction and performance on claims. On its website you can find out about a range of discounts and how to lower your premium.
State Farm: Flexible in terms of coverage, pricing and customer service
State Farm is a leading insurance company in New York, and it offers some special coverages. Its website, mobile app, and other resources are very user-friendly.
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. Its website includes a comprehensive quote tool and a list of policy discounts.