Expertise.com

Best Homeowners Insurance Agencies in New York City

2024

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls
Homeowners Insurance Agencies FAQs 〉

Last updated:

Website
25 W 64th St Apt 4A, New York, NY 10023
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Located in New York, New York, Mackoul Risk Solutions Insurance is a personal service insurance agency serving clients throughout the city, with another office in Morristown, New Jersey. The brokerage is an independent firm offering homeowners a broad range of insurance solutions from reputable carriers in the region. Besides selling homeowners insurance, the firm's agents offer advice to clients on the most reliable, competitively-priced, and comprehensive coverage solutions at their disposal. The firm also provides auto, business, and umbrella insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (117)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3113 23rd Avenue, Astoria, NY 11105
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Sidakis Insurance Agency, Inc., is a full-service, independent firm that serves the homeowner insurance needs of clients in and around New York City. It partners with an extensive network of carriers to provide customers with policies that are tailor-fit to their needs. Policies typically provide comprehensive coverage for personal possessions, home structure, replacement costs, and living expenses in case of a disaster. Homeowners also have the option of acquiring supplemental coverage for liability, valuable articles, and floods. Agents of the firm have over 50 years of combined experience in the industry.

License Verified:

License: 1243219

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5 Penn Plaza 23rd Floor, New York, NY 10001
  • Multiple Carriers

Why choose this provider?

KJE Consultants, LLC, is an independent agency that offers a range of insurance solutions to individuals and businesses in New York City and the neighboring areas. The firm provides personalized insurance quotes to owners of high-value properties and coastal homes. Its team also assists in seeking policies for clients who are looking to purchase or invest in a new property. KJE Consultants is affiliated with numerous companies, including The Hartford and Safeco, for clients' various insurance needs.

License Verified:

License: 1219046

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2236 Amsterdam Avenue, Front 4, New York, NY 10032
  • Renter's Insurance

Why choose this provider?

Dimor General Agency is a small business insurance agency that serves New York City. It has been serving the community for over 30 years, providing a wide range of products, including property and automotive insurance. Its property insurance includes homeowners', renters', and commercial property coverage. The company's professionals focus on the individual's risk management strategy and develop a framework that fits their situation. Dimor General Agency has partnered with various insurance companies, including American Transit, Kingstone, and Country-Wide.

License Verified:

License: 983127

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (22)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
150 East 52nd Street Suite 8001, New York, NY 10022
  • Condos
  • Homeowners

Why choose this provider?

Gordon Companies is an independent insurance agency that serves New York City. Its range of risk management solutions includes homeowners' insurance, which covers valuable possessions, such as jewelry, wine collections, and collectible cars. This policy reimburses losses in cases of theft and fire. Its team reviews policies from multiple providers, including Chubb and Liberty Mutual, allowing the agents to find plans that cover clients' individual needs. Gordon Companies is a second-generation business that has been in service since 1968.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
328 Hillside Ave, Williston Park, NY 11596
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Haller-Zaremba Insurance Services is an independent insurance agency based in Williston Park, New York, that serves clients in the area and the surroundings. The business links home insurance buyers with reputable, affordable insurance carriers in the region. It helps homeowners acquire coverage for the physical structure, personal belongings, liability in case someone is injured or their property damaged, and loss of use if the property owner is forced out of the home. Haller-Zaremba Insurance Services also offers umbrella, flood, and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2366 7th Avenue, New York, NY 10030
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Sarvis Insurance Agency, Inc., provides financial protection to residents of New York City and its surrounding areas. The independent firm offers homeowners' insurance that safeguards homes and belongings against fire, explosions, and theft. Coverage for replacement costs and additional living expenses after a disaster are available. The agency also has renters', short-term rental, landlord, and condominium insurance products. It works with insurers such as Nationwide, Erie, and Travelers to deliver insurance plans.

License Verified:

License: 913372

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
740 West 181st Street, New York, NY 10033
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Rey Polanco has worked as a State Farm insurance agent serving the metros of New York and New Jersey since 2001. He offers homeowners' insurance that covers losses and damages to clients' houses and their assets. The policy's coverage varies and may include interior and exterior damage from fire, smoke, theft or vandalism, damage caused by weather, and loss or damage of personal belongings. Rey has over 24 years of insurance industry experience and is a State Farm Chairman's Circle member.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (154)
Yelp
3.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2075 Grand Ave, Baldwin, NY 11510
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Ability Service Agency, located in North Baldwin, New York, is an independent insurance firm that provides homeowners coverage to residents throughout the New York metro area. The company represents over 30 insurance companies, including Maidstone, Progressive, and Guard Insurance Group. Ability Service Agency offers comprehensive insurance plans to owners and renters, covering losses such as vandalism and theft. Coverage includes reimbursement for medical expenses, house repairs, and personal belongings for clients and their guests.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (20)
Google
4.4 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1040 Avenue Of The Americas, Suite 1401, New York, NY 10018
  • Flood

Why choose this provider?

Gaps Insurance Services, LLC, serves individuals and businesses in New York City. The company offers wholesale personal and commercial lines of insurance, including homeowners', auto, liability, umbrella, and general contractors' insurance. It provides homeowners' insurance for various properties, from apartments and condominiums to vacant residential lots. The company also offers flood insurance with coverages for the building itself, the contents of the property, and loss of income. It has access to a diverse array of insurance products giving clients more options to choose from.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
18 East 41st St, Suite 1902, New York, NY 10017
  • Renter's Insurance
  • Condos

Why choose this provider?

Kenneth Bieber Insurance is an independent agency that serves homeowners and businesses in New York City and throughout the tri-state area. It provides home insurance policies that protect clients from financial losses in case of accidents and natural disasters. Its personal insurance options also include auto and life, as well as excess liability umbrellas. The agency also offers a variety of commercial lines insurance, such as commercial liability and workers' compensation. The associates at Kenneth Bieber have been serving the community since 1962.

License Verified:

License: 625219

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
5.0 / 5 (3)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
120 Broadway, 37th Floor, New York, NY 10271
  • Personal Property Insurance

Why choose this provider?

Silver Lining Insurance serves individuals, families, and businesses in New York City. The agency offers homeowners', auto, workers' compensation, and liability insurance. It has homeowners' policies for condos, single-family homes, and rentals. Each coverage is personalized to the client's needs, whether it's protection against property damage due to disasters or against liability when someone gets injured in the home. CEO Michael M. Silverman has more than 30 years of experience. He is a Chartered Life Underwriter and a Certified Insurance Counselor.

License Verified:

License: 1600351

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5 Hanover Square, New York, NY 10004
  • Homeowners

Why choose this provider?

EG Bowman Co. Inc. is an insurance company that has been serving clients in New York for more than 60 years. The firm provides a wide array of personal and business insurance plans, including homeowners' insurance. Its insurance agents assist homeowners, condo owners, and renters in choosing the right insurance policy that can adequately protect their homes, their belongings, and themselves from unwanted risks. Other policies they offer include accident and health insurance, commercial insurance, and surety bonds.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
112 West 34th Street 18th Floor, New York, NY 10120
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

J. A. Reaney Agency Insurance Brokers is an independent company that serves clients in New York City and its surrounding neighborhoods. It provides a wide array of personal insurance services, including homeowners’, mobile (manufactured) homes, motor homes or RVs, condominiums, and rental properties. In addition, the enterprise offers policies like life and health, business, and group benefits. Owner and insurance agent Jack A. Reaney Jr. is an active volunteer firefighter who opened his own agency in 1982.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7512 Roosevelt Ave, Jackson Heights, NY 11372
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Located in New York City's Jackson Heights area, Consumers Coverage Corp. is an insurance brokerage that has been in business for more than 30 years. It offers low-cost homeowners insurance from a variety of insurance companies for one- to four-family homes. Customers may choose optional coverage for water back-up issues, on- or off-premises theft, scheduled personal property items, and identity theft. The brokers work with brand name insurers, including Travelers, MetLife, and Chubb.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (29)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8114 3rd Avenue, Brooklyn, NY 11209
  • Multiple Policy Types

Why choose this provider?

Regency Agency Inc. serves personal and commercial insurance buyers in the New York metro area. The company's homeowner's insurance policy covers remodeling and rebuilding costs as well as personal belongings. To ensure families and their properties are well protected, the agents keep clients on track with home insurance regulations and rates. The Agency protects policyholders from lawsuits by providing general liability coverage if individuals get hurt in the home. Additionally, the agency offers life, business, and auto insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (13)
Facebook
5.0 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
330 McGuinness Blvd, Greenpoint, NY 11222
  • Homeowners

Why choose this provider?

Mystic Brokerage is a full-service insurance agency that caters to residents of New York City and nearby communities. It offers homeowners' insurance policies that cover repairs for the house, medical injuries to guests, and loss of personal possessions. The agency has 24/7 customer service to help applicants and policyholders examine different plans. It can also provide instant quotes from multiple carriers to compare their annual rates and down payments. The agency keeps all client information and transaction records in a secured server.

License Verified:

License: 800953

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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 quality of homeowners insurance in New York City?

    The quality of homeowners insurance in New York City depends on the company you choose and the type of policy you get. A named-perils policy only covers specific events that are listed in the contract. An all-risk policy covers everything except for events that are specifically excluded. All-risk policies are more comprehensive and offer better protection but may also be more expensive. Ultimately, the best type of homeowners insurance for you depends on your individual needs and budget.

  • How does homeowners insurance work in New York City?

    Homeowners insurance in New York City protects your home, and like other types of insurance, it covers accidents and unforeseen events. In addition to protecting your home, homeowners insurance can cover your belongings and property features such as gardens. Mortgage lenders may require insurance coverage on the property to reduce financial risk. Therefore, having such insurance documentation is important.

  • How much does homeowners insurance cost in New York City?

    The average cost of homeowners insurance in New York City is around $1,000, but the value of your home plays a crucial role, especially in prestigious neighborhoods. To budget accurately, consulting with a homeowners insurance agency is recommended. You can solicit comprehensive coverage and a policy that addresses all potential scenarios associated with your property.

  • What is a Replacement Cost coverage in New York City?

    Replacement cost coverage in New York City is a way to ensure that you are compensated for the total cost of replacing your belongings if they are damaged or destroyed in a covered loss. Unlike actual cash value coverage, which factors in depreciation, replacement cost coverage considers the current cost of purchasing a replacement item. It is a valuable option for homeowners who want to ensure they are fully protected in the event of a loss.

  • Why is it crucial to consult a homeowners insurance agent in New York City when considering obtaining coverage?

    Engaging a homeowners insurance agent in New York City is imperative when seeking coverage due to their capacity to understand individual needs, thereby tailoring appropriate protection for one's home and lifestyle. Homeowners insurance agents offer essential services, including explaining coverage options, identifying potential discounts, guiding through the claims process, and providing insights into life insurance for securing the family's financial future and mortgage payments.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2023

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