Homeowners insurance in New York.
797 independent agencies are licensed to write homeowners insurance across New York, with the most listings in Manhattan, Brooklyn, Melville. Independent agents aren’t tied to one carrier — they compare home coverage from multiple companies to fit your situation.
What homeowners insurance can cover
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homeowners agencies across New York.
The New York communities with the most homeowners listings. Pick yours to see local agencies.
Frequently asked questions
How many independent homeowners agencies are in New York?
Public licensing records list 797 independent agencies licensed to write homeowners insurance across New York, in 228 communities. 488 New York agencies have records going back 20 or more years.
How do I get homeowners insurance quotes in New York?
Tell us what you need once and we route your request to a licensed independent agency that serves your area in New York. You'll see who may contact you before you submit — and we never sell your information.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Other lines in New York.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.