Home Insurance in New York averaged $1,801 a year in 2023, 4% above the national average, per the NAIC, plus the rules that shape your policy.
What home insurance costs in New York
Homeowners in New York paid an average of $1,801 a year on a standard HO-3 policy in 2023, 4% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,770.
New York rules worth knowing
HO-8 (older homes, repair-cost basis): $744 a year
