Insurance for homeowners is essential to protect you and your property from the damage that can be caused by vandalism or storms. The insurance can cover your relocation costs in the event that you cannot live at your home due to a covered loss. The policy you choose should protect you against all possible risks and be within your budget.
The 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've done it for you by compiling a list that includes the top companies across a range of 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. The best homeowners insurance companies offer flexible payment plans, deductibles and the option to add or remove coverage.
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 prides itself on its mission-driven business approach, donating the unused portion at the year's end to certified charities. 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. 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, an reputable insurer and holder of an excellent financial rating by AM Best, offers a number of different policies tailored to military members' needs. Its customer satisfaction scores are excellent, and it is available in New York.
Customer satisfaction and claims experience are above average in the United States
The second-best home insurance company in New York, Nationwide ranks above the industry average for claims performance and customer satisfaction. On its website you can find out about a range of discounts and how to lower your premium.
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 mobile app and website are both easy to use and provide homeowners with helpful resources.
Liberty Mutual - Affordable and comprehensive home insurance with a large network of reliable insurance providers
Liberty Mutual's A+ rating by AM Best reflects its comprehensive coverage and affordability. It also boasts a large network with reliable insurance providers. Its website features a comprehensive tool for obtaining quotes and a list with policy discounts.