Buying Homeowners Insurance in New York

We have several companies offering affordable home, condo, townhouse or renters insurance in New York state. 

Compare home insurance in New York

 

COMPARISONS OF COVERAGE NEW YORK HOMEOWNERS INSURANCE PROGRAM

HO – 1HO -2HO – 3HO – 4HO – 5HO – 6HO – 8
1. Fire, lightning, windstorm,

hail, riot, civil commotion, aircraft, explosion

YesYesYesYesYesYesYes
2. Bursting of steam or hot

water appliances and heating systems

NoYesYesYesYesYesNo
3. Damage by vehicles:

Building

Yes, ex-

cept by occupant of premises

YesYesN/AYesYesYes,

except by occupant of premise

4. Smoke (a) Fireplace

(b) Heating or cooking unit

NoYesYesYesYesYesNo
YesYesYesYesYesYesYes
5. Vandalism or malicious

mischief

Yes, except if vacant over 30 daysYes, ex-

cept dwg loss if

vacant over

30 days

YesYes, ex-

cept dwg

loss if vacant over 30 days

YesYes,

except if vacant over 30

days

6. Water

(a) Flood, surface water

NoNoNoNoNo, ex-

cept personal

property

off premises

NoNo
(b) Backup of sewers,

drains

NoNoNoNoNoNo
(c ) Leaking from

plumbing, heating or air conditioning systems

NoYes, except loss to involved system itselfNo
(d) Rain

through faulty roof, windows,

doors

NoNoYes,

dwelling only

NoYesNoNo
(e) Freezing of

plumbing and heating system

NoYes, except while vacant or unoccupied and proper heat not maintained or system not drainedNo
7. Falling objects,

including trees

NoYesYesYesYesYesNo
8. Weight of ice, snow, sleetNoYesYesYesYesYes, to

property inside

building

No
9. Collapse of buildingNoYesYesYesYesYesNo
10. Sudden, accidental injury to electrical appliancesNoYesYesYesYesYesNo
11. Theft

(a) Building Materials

Yes, except when dwg. Is under construction and prior to occupancyYes, to

$1,000

(b) Personal PropertyYesYesYesYesYesYesYes, to

$1,000

(c) From unattended auto off premisesNoNo, unless by forced entry; available by endorsementNo
(d) “Mysterious

disappearance”

(from known place when theft is likely)

YesYesYesYesYesYesYes, to

$1,000

This document presents a general description of coverage’s consult the policy for exact terms and conditions