The Empire State is an entirely unique place to live, which means there are some state-specific quirks and characteristics that may impact your homeowners insurance.
Burglary outside the Big Apple
According to the New York Division of Criminal Justice Services, New York State (with the exception of NYC) experienced more than 29,500 burglaries in 2015 alone. The good news? That's a 14.8 percent decrease from 2014, and there's been a general downward trend for the past decade.
And you can have even greater peace of mind knowing that homeowners insurance financially protects your home and valuables against theft and vandalism.
The hefty cost of living
Median home prices in New York average around $525,000, or $507 per square foot. And housing isn't the only thing adding to a New Yorker's expenses — the cost of groceries, transportation, utilities, and entertainment is significantly pricier than most other states too.
Generally, the greater the market value of your home, the higher your homeowners coverage limits are to financially protect your assets. Higher coverage limits often mean higher insurance premiums. That's all the more reason to secure affordable New York State homeowners insurance with Esurance, with policies built to save you time, money, and hassle.