Homeowners Insurance — New York
New York Home Insurance
Looking for homeowners insurance in New York? Signature Insurance Group is an independent agency licensed in New York. We shop Progressive, Travelers, Nationwide, and NYCM and dozens more to find you the right blend of price and coverage.
Get a NY Homeowners Insurance QuoteNew York Home Insurance — What's Covered
- dwelling (Coverage A)
- other structures (B)
- personal property (C)
- loss of use (D)
- personal liability (E)
- medical payments (F)
- optional: water backup, service line, scheduled jewelry, equipment breakdown
Top Carriers We Shop in New York
We have direct appointments with Progressive, Travelers, Nationwide, and NYCM plus dozens of regional and specialty markets.
Home Insurance in New York FAQ
Replacement cost vs actual cash value — which should I choose?
Replacement cost. ACV pays you what your stuff is worth today (depreciated), which is rarely enough to actually replace it. Replacement cost pays the full cost to buy new — almost always worth the small premium difference.
Is flood damage covered by my homeowners policy?
No. Flood is excluded from every standard homeowners policy in every state. You need a separate NFIP or private flood policy. We can quote both — call us to find out if your address is in a flood zone.
Does Signature Insurance Group write homeowners insurance in New York?
Yes. Signature is a licensed insurance agency in New York with direct appointments with Progressive, Travelers, Nationwide, and NYCM. You can quote online in 5–10 minutes or call 859-407-4888.
More New York coverage:
Get New York Homeowners Insurance Quotes
5-minute online quote. Or call 859-407-4888 — Mon–Fri 9–5 EST.