It is important to protect your home and personal belongings from damage caused by fires, vandalism and other risks. It can also pay for your relocation costs if you can't live in your house after a covered loss. Choose a plan that covers all potential losses, and is within your budget.
Best Homeowners Insurance Companies
There are many homeowners insurance providers on the market. It can sometimes be difficult to determine which one is best for you. We've done all the hard work and put together a list of top companies for a variety of 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. These companies also offer flexible payment options, deductibles, and the ability to add coverage or remove it from your policy.
Lemonade is a no-hassle service that starts at $25/month.
This insurer is only available online. It uses artificial-intelligence to deliver fast quotes, and pay claims. This online quote system allows you to provide some basic information about your property and receive a quick estimate.
Lemonade's business model is centered on mission. At the end of each year, the company donates any unused home insurance premiums. 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
A top-tier home insurance company with a reputation for outstanding service, Chubb is a good choice for those with expensive properties in high-risk areas or those who have a history of filing claims. This company provides an unusual coverage where a consultant will come and examine your property to make recommendations on how you can reduce the risk of a lawsuit.
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 satisfaction scores are excellent, and it is available in New York.
Nationwide: Above-average claim experience and customer satisfaction
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. Its website also outlines a host of discounts that you can take advantage of to save on your premium.
State Farm - Flexible pricing, coverages and Customer Service
State Farm, a top-rated insurer in the US, offers homeowners some unique and special coverages. State Farm’s website and app are simple to use and offer a wealth of resources for both homeowners and agents.
Liberty Mutual – Affordable and comprehensive homeowners insurance through a large network.
With an A+ from AM Best, Liberty Mutual is an affordable and comprehensive home insurance company with a large network of reliable insurance providers. On its website, you can find a comprehensive quote generator and a listing of policy discounts.