Homeowners insurance is an essential part of protecting your house and your personal property against damage from fires, storms, vandalism, and other hazards. You can get your relocation expenses covered if your home is destroyed and you are unable to live there. Choose a plan that covers all potential losses, and is within your budget.
Best Homeowners Insurance Companies
There are a lot of different insurance companies that offer homeowners policies, so it can be hard to decide which is the best. 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 insurance companies for homeowners are those that have a good reputation in terms of customer service. They also offer flexible payment schedules, deductible amounts and options to add or delete coverage from your policy.
Lemonade, no hassles starting at $25/month
This online-only insurer uses artificial intelligence in order to offer fast quotes and payments for claims. You can enter some information about your house and get a price estimate in minutes using its online quote tool.
Lemonade has a business model based on a mission that gives the unused portion to charity at the end every year. It's also the fastest-growing insurance provider in the country, and their customer support team is highly rated.
Chubb: High-end protection for high-net-worth homeowners
Chubb, a top-tier insurance company that is known for its outstanding service and has a strong reputation in the industry, is a great choice for people with expensive homes or properties located in high-risk zones. It's also a good option for people who have filed claims before. It offers an unusual add-on coverage that sends a risk consultant to examine your home and give suggestions on how to reduce the chance of a claim.
USAA – Military and Veteran-Specific Coverage for Active Duty or Retired Military Members and Their Families.
USAA, a reputable insurer that has received an excellent rating for financial strength by AM Best offers a variety of policies to suit the needs of members of the military and their family. It has high customer satisfaction scores and is available throughout New York.
Customer satisfaction and claims experience are above average in the United States
Nationwide, the second-best company for home insurance in New York and above average when it comes to customer satisfaction and claim performance. You can also save money on your insurance by using the discounts listed on its website.
State Farm offers flexibility in pricing, policies and customer service
State Farm is a leading insurance company in New York, and it offers some 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, comprehensive home insurance through a network of trusted insurance providers
Liberty Mutual offers affordable, comprehensive home insurance through a vast network of reputable insurance providers. This website has a tool that allows you to get a free quote and lists of discounts.