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2024

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Best Homeowners Insurance Agencies in New York

Our Recommended Top 12

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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

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12Top Picks

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Providers

featured provider = Featured Provider

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.

Astoria

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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.

Brooklyn

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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.

Kenmore

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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.

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.

Brooklyn

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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.

Brooklyn

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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.

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.

Brooklyn

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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.

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.

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.

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.

Compare our Top Homeowners Insurance Agencies

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

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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