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Finally, you can get a free homeowner insurance quote in New York for your condo, townhouse, or home. Homeowner insurance coverage in New York is just two points shy of being included among the states with the most expensive average premiums. Ranked at No. 12, annual insurance rates range between $656 and $869.

Insurance has always been considered expensive in the Big Apple, considering that it is a highly commercial state. But in the wake of 9/11, insurance rates have been fluctuating on account of the fear of future terrorist attacks.

The more than 200 insurance companies offering homeowner insurance in New York have bundled policies ranging from the most basic coverage to the more expensive but comprehensive coverage packages.

The main types of insurance policies in the state are:

· HO-1: The most basic homeowner insurance policy, it covers fire, vandalism, theft, liability for property damage, medical expense for bodily injury, and a few other perils

· HO-2: Aside from the perils mentioned in HO-1, HO-2 also provides coverage for weight of snow and ice, falling objects, or damage caused by overflowing water from a fire sprinkler system.

· HO-3: The most comprehensive type of insurance, it covers all risks except flood, earthquake, war and nuclear accidents (given that New York is in close proximity to the nuclear reactors on Three Mile Island).

New York also offers policies for families with one or two homes, tenants, and condominium owners.

Because flood and earthquake coverage are excluded from the basic policy, one could have these coverage added to the plan at extra cost. Flood coverage is also available as a separate policy from the National Flood Insurance Program.

Considering that homeowner insurance in New York is quite costly, one could lower premiums in the following ways:

· Secure competitive quotes from various insurance providers in the area and choose the policy that offers the needed coverage at an affordable price.

· Get an umbrella policy – Purchasing several types of policies from the same insurance provider is entitled to discounts, resulting in major savings

· Raising deductibles – This is the amount of money from the claim that the homeowner is willing to shoulder out of his/her own pocket. Deductibles should not be too high so that the homeowner ends up paying for most of the expenses in rebuilding or repairing the home instead of having the insurance company carry the greater financial burden.

· The home is located near a fire station or fire hydrant, or it is far away from the coast.

· Avail of additional discounts by installing protective devices such as deadbolts to the doors and windows and security alarms. It is advisable to have a fire sprinkler system in the home as well as having wrought iron bars on windows and doors for additional protection. Having smoking family members quit the bad habit entitles homeowners to discounts as well.

While expensive, the unique conditions in the state — such as a high crime rate and threat of terrorism, just to name a few — make homeowner insurance in New York a must have for residents who want to protect their greatest investment, namely their home.

Find  homeowner insurance rates in each of these New York cities or counties

Airmont – Albany – Albion – Alden – Allegany – Altamont – Amherst – Amityville – Amsterdam – Arcadia – Arlington – Attica – Auburn – Aurora – Avon – Babylon – Baldwin – Baldwin Harbor – Baldwinsville – Ballston – Barton – Batavia – Bath – Bay Shore – Bayport – Bayville – Baywood – Beacon – Bedford – Beekman – Bellmore – Bethlehem – Bethpage – Big Flats – Binghamton – Blooming Grove – Bohemia – Boston – Brentwood – Briarcliff Manor – Brighton – Brockport – Bronxville – Brookhaven – Brunswick – Buffalo – Busti – Cairo – Camillus – Canandaigua – Canton – Carmel – Catskill – Cazenovia – Cedarhurst – Center Moriches – Centereach – Central Islip – Chappaqua – Cheektowaga – Chenango – Chester – Chestnut Ridge – Chili – Cicero – Clarence – Clarkson – Clarkstown – Claverack – Clay – Clifton Park – Cobleskill – Coeymans – Cohoes – Collins – Colonie – Commack – Concord – Congers – Copiague – Coram – Corning – Cornwall – Cortland – Cortlandt – Cortlandville – Coxsackie – Crawford – Croton-on-Hudson – De Witt – Deer Park – Deerpark – Delmar – Depew – Dix Hills – Dobbs Ferry – Dover – Dryden – Dunkirk – East Aurora – East Fishkill – East Glenville – East Greenbush – East Hampton – East Hills – East Islip – East Massapequa – East Meadow – East Northport – East Patchogue – East Rochester – East Rockaway – Eastchester – Eden – Elbridge – Ellicott – Elma – Elmira – Elmont – Elwood – Endicott – Endwell – Erwin – Esopus – Evans – Fairmount – Fallsburg – Farmingdale – Farmington – Farmingville – Fenton – Fishkill – Floral Park – Fort Ann – Fort Drum – Fort Salonga – Frankfort – Franklin Square – Fredonia – Freeport – Fulton – Garden City – Garden City Park – Gates – Gates-North Gates – Geddes – Geneseo – Geneva – German Flatts – Glen Cove – Glens Falls – Glens Falls North – Glenville – Gloversville – Goshen – Gouverneur – Granby – Grand Island – Granville – Great Neck – Great Neck Plaza – Greece – Greenburgh – Greenfield – Greenlawn – Greenville – Guilderland – Halfmoon – Hamburg – Hamlin – Hampton Bays – Hanover – Harrison – Hartsdale – Hastings – Hastings-on-Hudson – Hauppauge – Haverstraw – Hempstead – Henrietta – Herkimer – Hewlett – Hicksville – Highlands – Hillcrest – Holbrook – Holtsville – Homer – Hoosick – Hornell – Horseheads – Hudson – Hudson Falls – Huntington – Huntington Station – Hurley – Hyde Park – Ilion – Inwood – Irondequoit – Irvington – Islip – Ithaca – Jamestown – Jefferson Valley-Yorktown – Jericho – Johnson City – Johnstown – Kenmore – Kent – Kinderhook – Kings Park – Kingsbury – Kingston – Kirkland – Kiryas Joel – La Grange – Lackawanna – Lake Carmel – Lake Grove – Lake Ronkonkoma – Lancaster – Lansing – Larchmont – Lawrence – Le Ray – Le Roy – Lee – Lenox – Levittown – Lewisboro – Lewiston – Liberty – Lindenhurst – Livonia – Lloyd – Lockport – Long Beach – Lynbrook – Lysander – Macedon – Mahopac – Malone – Malta – Malverne – Mamakating – Mamaroneck – Manchester – Manhasset – Manlius – Manorhaven – Manorville – Marcellus – Marcy – Marlborough – Massapequa – Massapequa Park – Massena – Mastic – Mastic Beach – Mattydale – Mayfield – Mechanicstown – Medford – Medina – Melville – Mendon – Merrick – Middle Island – Middletown – Miller Place – Milo – Milton – Mineola – Monroe – Monsey – Montgomery – Monticello – Moreau – Mount Hope – Mount Ivy – Mount Kisco – Mount Pleasant – Mount Sinai – Mount Vernon – Murray – Nanuet – Nesconset – New Cassel – New Castle – New City – New Hartford – New Hyde Park – New Paltz – New Rochelle – New Scotland – New Windsor – New York – Newark – Newburgh – Newfane – Newstead – Niagara – Niagara Falls – Niskayuna – North Amityville – North Babylon – North Bay Shore – North Bellmore – North Bellport – North Castle – North Elba – North Greenbush – North Hempstead – North Lindenhurst – North Massapequa – North Merrick – North New Hyde Park – North Patchogue – North Syracuse – North Tonawanda – North Valley Stream – North Wantagh – Northport – Norwich – Nyack – Oakdale – Oceanside – Ogden – Ogdensburg – Olean – Oneida – Oneonta – Onondaga – Ontario – Orange Lake – Orangetown – Orchard Park – Ossining – Oswego – Owego – Oyster Bay – Palmyra – Parma – Patchogue – Patterson – Pawling – Pearl River – Peekskill – Pelham – Pendleton – Penfield – Perinton – Perry – Peru – Phelps – Philipstown – Pittsford – Plainedge – Plainview – Plattekill – Plattsburgh – Pleasant Valley – Pleasantville – Pomfret – Pompey – Port Chester – Port Jefferson – Port Jefferson Station – Port Jervis – Port Washington – Porter – Potsdam – Poughkeepsie – Putnam Valley – Queensbury – Ramapo – Red Hook – Rensselaer – Rhinebeck – Ridge – Ridgeway – Riverhead – Rochester – Rockville Centre – Rocky Point – Rome – Ronkonkoma – Roosevelt – Rosendale – Roslyn Heights – Rotterdam – Royalton – Rye – Rye Brook – Salamanca – Salina – Salisbury – Sand Lake – Saratoga Springs – Saugerties – Sayville – Scarsdale – Schaghticoke – Schenectady – Schodack – Schroeppel – Scotchtown – Scotia – Scriba – Seaford – Selden – Seneca Falls – Setauket-East Setauket – Shawangunk – Shirley – Sidney – Skaneateles – Sleepy Hollow – Smithtown – Sodus – Solvay – Somers – Sound Beach – South Farmingdale – South Hill – South Huntington – South Lockport – Southampton – Southeast – Southold – Southport – Spring Valley – St. James – Stillwater – Stony Brook – Stony Point – Suffern – Sullivan – Sweden – Syosset – Syracuse – Tappan – Tarrytown – Terryville – Thompson – Tonawanda – Troy – Tuckahoe – Ulster – Union – Uniondale – Utica – Valley Cottage – Valley Stream – Van Buren – Verona – Vestal – Victor – Volney – Wading River – Walden – Wallkill – Walworth – Wantagh – Wappinger – Warwick – Waterford – Waterloo – Watertown – Watervliet – Wawarsing – Wawayanda – Webster – Wellsville – West Babylon – West Glens Falls – West Haverstraw – West Hempstead – West Islip – West Point – West Seneca – Westbury – Westmere – Westmoreland – Wheatfield – White Plains – Whitestown – Williamson – Williston Park – Wilna – Wilton – Windsor – Woodbury – Woodmere – Woodstock – Wyandanch – Yonkers – Yorktown – Yorktown Height

Homeowner insurance in New York provides coverage in the event of damage to your property from theft, fire, floods, and natural disasters as well as protects you from liability for injuries or damage caused to people on your property. The right homeowner insurance plan  can help you make the best choices about this important protection for you and your family. Get free quotes on home owner insurance in New York above.

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