Buying Homeowners Insurance in New York

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COMPARISONS OF COVERAGE NEW YORK HOMEOWNERS INSURANCE PROGRAM

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

hail, riot, civil commotion, aircraft, explosion

Yes Yes Yes Yes Yes Yes Yes
2. Bursting of steam or hot

water appliances and heating systems

No Yes Yes Yes Yes Yes No
3. Damage by vehicles:

Building

Yes, ex-

cept by occupant of premises

Yes Yes N/A Yes Yes Yes,

except by occupant of premise

4. Smoke (a) Fireplace

(b) Heating or cooking unit

No Yes Yes Yes Yes Yes No
Yes Yes Yes Yes Yes Yes Yes
5. Vandalism or malicious

mischief

Yes, except if vacant over 30 days Yes, ex-

cept dwg loss if

vacant over

30 days

Yes Yes, ex-

cept dwg

loss if vacant over 30 days

Yes Yes,

except if vacant over 30

days

6. Water

(a) Flood, surface water

No No No No No, ex-

cept personal

property

off premises

No No
(b) Backup of sewers,

drains

No No No No No No
(c ) Leaking from

plumbing, heating or air conditioning systems

No Yes, except loss to involved system itself No
(d) Rain

through faulty roof, windows,

doors

No No Yes,

dwelling only

No Yes No No
(e) Freezing of

plumbing and heating system

No Yes, except while vacant or unoccupied and proper heat not maintained or system not drained No
7. Falling objects,

including trees

No Yes Yes Yes Yes Yes No
8. Weight of ice, snow, sleet No Yes Yes Yes Yes Yes, to

property inside

building

No
9. Collapse of building No Yes Yes Yes Yes Yes No
10. Sudden, accidental injury to electrical appliances No Yes Yes Yes Yes Yes No
11. Theft

(a) Building Materials

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

$1,000

(b) Personal Property Yes Yes Yes Yes Yes Yes Yes, to

$1,000

(c) From unattended auto off premises No No, unless by forced entry; available by endorsement No
(d) “Mysterious

disappearance”

(from known place when theft is likely)

Yes Yes Yes Yes Yes Yes Yes, to

$1,000

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