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New York residents who bundle their home insurance with auto insurance can save even more! Here's how.

new york homeowners insurance

From Albany to Buffalo and Syracuse to Rochester, there's so much to love about owning a home in the Empire State. Whether you enjoy the quiet of the great outdoors or the convenience of city life, there's truly something for everyone in New York State.

And with reliable, affordable Esurance homeowners insurance in New York, residents can get back to focusing on all the sweet things their superb state has to offer. With coverage that helps protect your home, belongings, and personal liability, we're confident all Empire State residents stand to benefit from joining the Esurance family. Get a quick, free quote online today.

what our customers say

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I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

— Linda, Nevada

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Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

— Tommy, Nevada

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The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

— Iola, Kansas

protection for your unique new york state home: standard coverages

New York is known for its historical, timeless architecture just as much as its state-of-the-art, modern design — and its homes certainly reflect that dichotomy. From Greek Revival to Art Deco, and brownstone to brick, New Yorkers take pride in their state's home-building history and want dependable insurance coverage for their Empire State investment.

With standard homeowners insurance in New York State, homeowners can count on financial protection against a whole host of hazards, like windstorms, fire, and theft. That means dwelling insurance for repairs to your home after it's damaged or destroyed by a covered risk, as well as personal property insurance to cover your valued belongings like clothing, electronics, appliances, and furniture.

Here are some other basic Esurance homeowners insurance coverages in New York:

optional new york home coverages

Just like New York residents believe in customizing their homes to reflect their interests and lifestyles, Esurance believes you should be able to customize your New York homeowners insurance coverages to suit your needs. Here are some optional homeowners coverages in the Empire State that offer additional financial protection and peace of mind.

Building codes coverage

If your place is damaged or destroyed by a covered risk and needs repairs in line with updated building codes or local laws, this coverage can help pay the extra expenses associated with the required updates.

Identity theft expense coverage

This coverage steps in if you ever fall victim to identity theft. For just $3 a month (or $4 for 2 people), you'll have access to services specifically designed to repair your credit and good name. It also includes access to your annual credit report and score, monthly credit file monitoring, and help from an identity theft advisor.

Other optional coverages in New York include:

If you're an Esurance policyholder and have questions about your homeowners insurance coverages, we're available 24/7 to help. Just give us a ring at 1-800-ESURANCE (1-800-378-7262) where our agents are standing by.

new york state homeowners insurance discounts

We know owning a home in New York doesn't come cheap. That's why we offer a bevy of discounts designed to help you keep some cash in your wallet. After all, we know you have a ton of other awesome stuff you could spend your hard-earned money on — why pay for overpriced insurance?

Multi-Policy discount

Already have an auto insurance policy with Esurance? By bundling your home and auto insurance policies, you can manage your policies in one place and stand to save big.

Windstorm Protective Device discount

New York's no stranger to inclement weather. When you install storm shutters on your home's exterior windows, you'll help prevent damage to your place in addition to qualifying for this discount.

Here are some additional Esurance discounts to help New Yorkers save on their insurance:

  • DIY Home Inspection discount*
  • New Home discount
  • Smoke-Free discount
  • Preferred Buyer discount
  • Future Effective Date discount
  • Claim-Free discount
  • Hail Resistant Roof discount
  • Welcome Home discount
  • Loyal Customer discount
  • Home Safety Features discount

Discounts are subject to eligibility. If you're an Esurance policyholder and have questions about your New York homeowners insurance discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

new york state facts and stats

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.

Related links

Auto insurance in New York
Bundle your auto and home insurance with Esurance for savings and simple policy management.

Does homeowners insurance cover power surges?
Learn more about how your homeowners insurance company treats claims surrounding power surges.

Wonder if you could be saving on homeowners insurance?

Get your free quote online.

Or call 1-866-439-5633.