Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in New York

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New York homeowners insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

10938Reviewed

6567Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving New York
Astoria

Expertise.com Rating

Why choose this provider?

Sidakis Insurance Agency, Inc., provides the best risk management solutions for homeowners in New York. Its team writes policies that protect the structure of clients' homes, help pay for property replacement costs, and cover additional living expenses. Customers have the option to add flood and jewelry insurance to their plans. Sidakis Insurance Agency also offers protection plans for owners of mobile homes, classic cars, and watercraft. Its team members have more than five decades of collective industry experience.

Best Homeowners Insurance Agencies Serving New York
Brooklyn

Expertise.com Rating

Why choose this provider?

Three Star Brokerage, Inc., offers the best insurance plans for individuals and businesses in New York. It provides standard home insurance policies that cover damage resulting from different disasters such as volcanic eruptions, hailstorms, and fire. Its team members also furnish protection plans that reimburse losses from burglary and aircraft damage. Additionally, they insure clients residing in rental homes, apartments, and condominiums. Three Star Brokerage protects drivers and their vehicles, covering personal and commercial autos, snowmobiles, jet skis, and ATVs.

Best Homeowners Insurance Agencies Serving New York
Buffalo

Expertise.com Rating

Review Sources

Google
4.7 (143)
Facebook
4.5 (17)

Why choose this provider?

Dan Schmidt is a risk management specialist affiliated with State Farm. He offers the best coverage options for homeowners located in New York, whether they are looking to protect their electronics or safeguard their appliances, furniture, and jewelry. He also furnishes home insurance policies that reimburse losses in case of fire, theft, and vandalism. Schmidt, who assists residents relocating to the Buffalo area, also provides renters', car, and life insurance plans. He can communicate with clients in Spanish.

Best Homeowners Insurance Agencies Serving New York
New York

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

KJE Consultants, LLC, is the best independent insurance agency serving New York. Included in its products is homeowners' insurance, which can be customized to cover vacation properties and high-value, coastal homes. Its team also offers coverage for owners of apartments and condominiums. Other products include car and business insurance. With access to plans from numerous carriers such as Chubb, The Hartford, Travelers, and Safeco, the agents are able to find cheap insurance options that suit clients' individual needs.

Best Homeowners Insurance Agencies Serving New York
Brooklyn

Expertise.com Rating

Why choose this provider?

GMI Brokerage Corp. is the best insurance agency serving individuals and businesses across New York. Its team furnishes policies that cover standard, secondary, coastal, and high-value homes. The agents also write policies that protect specialty residential properties such as motor and modular homes. Additionally, they provide insurance plans that cover damage resulting from flood. GMI Brokerage, which also serves Connecticut and New Jersey, was founded by Gary Grodsky, who has been working in the industry for 25 years.

Best Homeowners Insurance Agencies Serving New York
Huntington Station

Expertise.com Rating

Why choose this provider?

Monica Murphy leads the best State Farm agency in New York. Together with her team, she crafts homeowners' insurance policies that reimburse losses brought by fire, lightning, hail, and wind. She also writes protection plans that cover damage caused by plumbing system discharge and HVAC system tears. Murphy has been working for State Farm since 1985 and became an agent 18 years later. She is a member of the NAIFA and the Huntington Chamber of Commerce. She is also a Life Underwriter Training Council Fellow.

Best Homeowners Insurance Agencies Serving New York
Kenmore

Expertise.com Rating

Why choose this provider?

Providing the best coverage in New York, Cassetta Agency Inc. offers risk management solutions for homeowners across the state. Its team members write policies that protect detached structures such as sheds and garages and covers additional living expenses and water backup damage. The agents also insure mobile homes and landlords' properties. Cassetta Agency is a member of the Independent Insurance Agents & Brokers of New York. It started out in 1958 at Joseph Cassetta Sr.�s house and now has offices in Orchard Park and Kenmore.

Best Homeowners Insurance Agencies Serving New York
Brooklyn

Expertise.com Rating

Why choose this provider?

A1 Brooklyn Brokerage Inc. provides risk management solutions in New York. The best insurance agency in the state customizes insurance plans for homeowners, renters, and condominium residents. The independent agents also offer insurance coverage for car and motorcycle drivers. In addition, they protect owners of boats and jet skis. They review policies from different providers, including Integon, Safeco, and Mercury, in order to find plans that will best meet clients' needs. A1 Brooklyn Brokerage has been operating since 1991.

Best Homeowners Insurance Agencies Serving New York
Brooklyn

Expertise.com Rating

Why choose this provider?

Pupkin Insurance Agency is a family-owned and family-operated company serving New York. It offers the best risk management solutions, including homeowners' insurance, which helps pay for repair and replacement expenses in case of damage resulting from theft, storm, and fire. Its team crafts insurance policies that are customized according to clients' needs and lifestyles. The agents also develop protection plans for contractors, plumbers, and construction workers. Pupkin Insurance Agency has been protecting communities for over 60 years.

Best Homeowners Insurance Agencies Serving New York
New York

Expertise.com Rating

Why choose this provider?

J. A. Reaney Agency Insurance Brokers is the best independent risk management company in New York. It offers homeowners' insurance, which helps pay for personal property damaged in unforeseen circumstances, like fire, and protects clients' liability in case guests obtain injuries at their home. Its team also insures the primary and secondary homes of high-net-worth individuals. Some of the carriers the company represents include MetLife, Liberty Mutual, and Progressive. Agency owner Jack A. Reaney Jr. has been working in the insurance industry since 1978.

Best Homeowners Insurance Agencies Serving New York
Brooklyn

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Max J. Pollack & Sons is a family business serving individuals and businesses across New York. Included in its products is homeowners' insurance, which covers different types of residential properties such as single-family and multi-family homes, condominiums, and investment properties. Its team also insures primary and secondary residences and offers protection plans for renters. Other products include commercial property and liability insurance. The agency has been the best in the state for more than 75 years.

Best Homeowners Insurance Agencies Serving New York
Port Jefferson Station

Expertise.com Rating

Review Sources

Google
5.0 (62)
Facebook
5.0 (4)

Why choose this provider?

Newbrook Insurance Agency comprises the best risk management specialists in New York. The independent agents write policies for people looking to protect their homes and personal belongings from perils such as fire and theft. They also insure personal belongings in rental properties, vehicles, and watercraft. Additionally, they provide health, disability, and long-term care insurance. Newbrook Insurance Agency's team members review policies from multiple providers, including Travelers, Progressive, and Chubb. This allows them to offer various coverage options and find the ones that meet clients' unique needs.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Sidakis Insurance Agency, Inc.
3113 23rd Avenue, Astoria, NY 11105
Three Star Brokerage, Inc.
221 Kings Hwy, Brooklyn, NY 11223
Dan Schmidt
615 Elmwood Ave, Buffalo, NY 14222
KJE Consultants, LLC
5 Penn Plaza 23rd Floor, New York, NY 10001
GMI Brokerage Corp.
2709 Coney Island Ave, Brooklyn, NY 11235
Monica Murphy
1985 New York Avenue, Huntington Station, NY 11746
Cassetta Agency Inc.
3000 Delaware Avenue, Kenmore, NY 14217
A1 Brooklyn Brokerage Inc.
2535 McDonald Ave., Brooklyn, NY 11223
Pupkin Insurance Agency
1852 Flatbush Ave., Brooklyn, NY 11210
J. A. Reaney Agency Insurance Brokers
112 West 34th Street 18th Floor, New York, NY 10120
Max J. Pollack & Sons
682 Union St, Brooklyn, NY 11215
Newbrook Insurance Agency
14 Roosevelt Avenue, Port Jefferson Station, NY 11776

New York Homeowners Insurance Agency FAQs

  • In New York, is there a difference between homeowners' and renters' insurance?

    Yes. The difference between homeowners' and renters' insurance is that home insurance coverage includes personal belongings, liability, and additional living expenses for policyholders. In case of an unexpected circumstance, their policy will cover lost or stolen items and medical expenses. Meanwhile, renters' insurance does not cover what is inside the unit unless individuals use the items regularly.

  • In New York, what is a home inventory, and why is it important?

    In New York, a home inventory provides the list of items inside a home. If you want to get extra coverage for your valuables, make a list of everything you own. The list may include appliances, electronic devices, and furniture. This is important because it can be used when filing a homeowners' insurance claim and to determine the value of your items if they are lost or stolen.

  • What is the average cost of homeowners' insurance in New York?

    The average cost of homeowners' insurance in New York is $1,309 per year. This is slightly higher than the national average insurance premium of $1,211. The reason for this is that homes, townhouses, and condominiums in the state are more expensive. However, individuals and families can still lower their insurance premiums.

  • What are the exclusions to homeowners' insurance in New York?

    In New York, homeowners' insurance excludes devastation caused by nuclear war, earthquakes, floods, and sinkholes. However, individuals and families can still purchase a separate policy to cover the repair or replacement cost of damaged property or items. They can obtain flood insurance through the National Flood Insurance Program.

  • Is homeowners' insurance required in New York?

    No. Families and individuals in New York are not required to acquire homeowners' insurance because most properties in the state are rented. However, if they are applying for a mortgage loan, they should have one. Most lenders require proof of homeowners' insurance before funding a loan to ensure that the investment property is protected.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.