Best New York Home Insurance (August 23)
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Why compare home insurance rates in New York with Way.com
- New York homeowners insurance costs $1,224 annually.
- Insurers offer home insurance policies in the state starting at around annually.
- Always ensure to buy flood insurance additionally in the state.
Best New York Home Insurance
Are you looking to get the best home insurance in New York? We have reviewed all the major insurers to guide you in finding an ideal homeowners insurance in New York.
New York homeowners insurance: What you need to know
On average, homeowners insurance in New York costs $1,224 yearly. It is less than the national average rate.
The state’s cost of buying a house is the highest in the country. Despite being the fourth-most populous state in the US, New York has a low percentage of homeowners. Since home prices and construction costs have surged recently, residents should always ensure buying adequate homeowners insurance from a reputable insurer.
Are you looking for the cheapest home insurance quotes in NY? We’ve got you covered in finding the best homeowners insurance in NY!
What does a homeowners insurance policy cover?
A home insurance policy offers the following coverages - Dwelling, Liability, Personal Property, Other Structures, Medical Payments to Others, and Additional Living Expenses. But you can also buy these additional coverages in the state.
- Flood insurance: Usually,home insurance policies don't cover flood damage. So, you must buy flood insurance additionally via FEMA or a private insurer.
- Personal property replacement cost: Most home insurance policies cover your belongings for their actual cash value (ACV). So, you get the coverage amount minus depreciation when you make a claim payout. Many insurers offer a replacement cost option for your personal property, which means you'll get reimbursement for replacing your items with similar new items.
- Identity theft coverage: Identity theft threatens all consumers in an increasingly digital world. Insurers commonly offer this coverage as an endorsement. It may help cover the costs of restoring your identity if stolen.
What isn’t covered by a typical homeowners insurance policy?
Generally, home insurance policies don’t cover flooding, earthquakes, insect and vermin infestations, nuclear threats, wear and tear, power outages, war, sinkholes, or intentional loss. Always review your policy before buying to ensure the coverages you get.
The cheapest home insurance companies in New York
The rate of homeowners insurance in New York varies based on your insurer. With an annual average rate of $754, MetLife offers the most affordable home insurance in New York. It is $470 less than the state average rate.
Do you want an even more reasonable home insurance quote in NY? Then it is best to get and compare the quotes from all insurers.
| Insurer | Average annual rate |
|---|---|
| MetLife | $754 |
| State Farm | $760 |
| MYCM Insurance | $824 |
| Travelers | $859 |
| Preferred Insurance | $912 |
Homeowners insurance deductibles in New York
While buying a home insurance policy, homeowners must make several decisions, including how high or low to set their deductible. The deductible is the sum that you must pay towards a covered loss. So how much you set the deductible impacts the premiums you must pay. So, the lower your deductible, the higher your premiums will be. Remember that your deductible should be as high as you can pay during a covered loss. The following table has the average rates associated with the majority of deductibles.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $1,147 |
| $1,000 | $1,028 |
| $1,500 | $994 |
| $2,000 | $906 |
| $5,000 | $786 |
New York home insurance prices by coverage levels
Your coverage level impacts how much you spend on home insurance coverage. In New York, maintaining $100,000 in dwelling coverage costs an average of $518 annually. Whereas carrying $400,000 in dwelling coverage costs $1,600 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $518 |
| $200,000 | $881 |
| $250,000 | $1,028 |
| $400,000 | $1,600 |
New York homeowners insurance costs by city
The cost of homeowners insurance in NY varies by city. Factors like the number of claims filed nearby, your ZIP code, and the area’s theft rate impact your premiums. These are the rate of homeowners insurance in New York by each city.
| City | Average annual rate |
|---|---|
| Accord | $1,247 |
| Acra | $1,265 |
| Adams | $1,282 |
| Adams Basin | $1,055 |
| Adams Center | $1,281 |
| Addison | $1,166 |
| Adirondack | $1,282 |
| Afton | $1,183 |
| Airmont | $1,269 |
| Akron | $1,054 |
| Albany | $1,206 |
| Albertson | $1,889 |
| Albion | $1,132 |
| Alcove | $1,136 |
| Alden | $1,096 |
| Alder Creek | $1,273 |
| Alexander | $1,121 |
| Alexandria Bay | $1,264 |
| Alfred | $1,169 |
| Alfred Station | $1,166 |
| Allegany | $1,168 |
| Allentown | $1,168 |
| Alma | $1,173 |
| Almond | $1,166 |
| Alpine | $1,167 |
| Alplaus | $1,193 |
| Altamont | $1,143 |
| Altmar | $1,148 |
| Alton | $1,114 |
| Altona | $1,314 |
| Amagansett | $3,000 |
| Amawalk | $1,374 |
| Amenia | $1,148 |
| Amityville | $2,736 |
| Amsterdam | $1,231 |
| Ancram | $1,268 |
| Ancramdale | $1,261 |
| Andes | $1,198 |
| Andover | $1,169 |
| Angelica | $1,165 |
| Angola | $1,059 |
| Angola on the Lake | $1,057 |
| Annandale On Hudson | $1,159 |
| Antwerp | $1,268 |
| Apalachin | $1,141 |
| Appleton | $1,077 |
| Apulia Station | $1,076 |
| Aquebogue | $2,557 |
| Arcade | $1,159 |
| Arden | $1,241 |
| Ardsley | $1,431 |
| Ardsley On Hudson | $1,413 |
| Argyle | $1,282 |
| Arkport | $1,168 |
| Arkville | $1,207 |
| Arlington | $1,135 |
| Armonk | $1,419 |
| Arverne | $1,977 |
| Asharoken | $2,294 |
| Ashland | $1,286 |
| Ashville | $1,179 |
| Astoria | $1,865 |
| Athens | $1,281 |
| Athol | $1,275 |
| Athol Springs | $1,063 |
| Atlanta | $1,179 |
| Atlantic Beach | $2,228 |
| Attica | $1,158 |
| Au Sable Forks | $1,317 |
| Auburn | $1,168 |
| Auriesville | $1,193 |
| Aurora | $1,173 |
| Austerlitz | $1,265 |
| Ava | $1,290 |
| Averill Park | $1,183 |
| Avoca | $1,164 |
| Avon | $1,094 |
| Babylon | $2,724 |
| Bainbridge | $1,196 |
| Baiting Hollow | $2,538 |
| Bakers Mills | $1,281 |
| Baldwin | $2,249 |
| Baldwin Harbor | $2,247 |
| Baldwin Place | $1,369 |
| Baldwinsville | $1,065 |
| Ballston Lake | $1,170 |
| Ballston Spa | $1,172 |
| Balmville | $1,235 |
| Bangall | $1,152 |
| Bardonia | $1,266 |
| Barker | $1,078 |
| Barneveld | $1,266 |
| Barnum Island | $2,245 |
| Barrytown | $1,144 |
| Barryville | $1,280 |
| Barton | $1,145 |
| Basom | $1,103 |
| Batavia | $1,138 |
| Bath | $1,166 |
| Baxter Estates | $1,908 |
| Bay Park | $2,246 |
| Bay Shore | $2,737 |
| Bayport | $2,741 |
| Bayside | $1,875 |
| Bayville | $1,830 |
| Baywood | $2,739 |
| Beacon | $1,162 |
| Bear Mountain | $1,278 |
| Bearsville | $1,233 |
| Beaver Dam Lake | $1,223 |
| Beaver Dams | $1,135 |
| Beaver Falls | $1,250 |
| Bedford | $1,449 |
| Bedford Hills | $1,352 |
| Belfast | $1,162 |
| Belle Terre | $2,296 |
| Bellerose | $1,956 |
| Bellerose Terrace | $2,055 |
| Belleville | $1,296 |
| Bellmore | $2,263 |
| Bellona | $1,163 |
| Bellport | $2,750 |
| Bellvale | $1,250 |
| Belmont | $1,164 |
| Bemus Point | $1,184 |
| Bergen | $1,122 |
| Berkshire | $1,134 |
| Berlin | $1,189 |
| Berne | $1,174 |
| Bernhards Bay | $1,146 |
| Bethel | $1,280 |
| Bethpage | $1,876 |
| Bible School Park | $1,148 |
| Big Flats | $1,133 |
| Big Indian | $1,235 |
| Billings | $1,132 |
| Billington Heights | $1,047 |
| Binghamton | $1,146 |
| Binghamton University | $1,145 |
| Black Creek | $1,166 |
| Black River | $1,273 |
| Blasdell | $1,051 |
| Blauvelt | $1,264 |
| Bliss | $1,158 |
| Blodgett Mills | $1,152 |
| Bloomfield | $1,099 |
| Bloomingburg | $1,252 |
| Bloomingdale | $1,322 |
| Bloomington | $1,225 |
| Bloomville | $1,197 |
| Blossvale | $1,262 |
| Blue Mountain Lake | $1,309 |
| Blue Point | $2,742 |
| Bohemia | $2,748 |
| Boiceville | $1,223 |
| Bolivar | $1,165 |
| Bolton Landing | $1,299 |
| Bombay | $1,322 |
| Boonville | $1,260 |
| Boston | $1,052 |
| Bouckville | $1,108 |
| Bovina Center | $1,200 |
| Bowmansville | $1,045 |
| Bradford | $1,168 |
| Brainard | $1,212 |
| Brainardsville | $1,346 |
| Branchport | $1,144 |
| Brant Lake | $1,280 |
| Brantingham | $1,285 |
| Brasher Falls | $1,249 |
| Breesport | $1,133 |
| Breezy Point | $1,964 |
| Brentwood | $2,747 |
| Brewerton | $1,084 |
| Brewster | $1,303 |
| Brewster Hill | $1,304 |
| Briarcliff Manor | $1,420 |
| Bridgehampton | $2,976 |
| Bridgeport | $1,068 |
| Brier Hill | $1,274 |
| Brighton | $1,035 |
| Brightwaters | $2,737 |
| Brinckerhoff | $1,181 |
| Broadalbin | $1,267 |
| Brockport | $1,037 |
| Brocton | $1,193 |
| Bronxville | $1,437 |
| Brookfield | $1,110 |
| Brookhaven | $2,755 |
| Brooklyn | $2,098 |
| Brooktondale | $1,144 |
| Brookville | $1,847 |
| Brushton | $1,329 |
| Buchanan | $1,345 |
| Buffalo | $1,278 |
| Bullville | $1,238 |
| Burdett | $1,144 |
| Burke | $1,326 |
| Burlingham | $1,275 |
| Burlington Flats | $1,180 |
| Burnt Hills | $1,168 |
| Burt | $1,074 |
| Buskirk | $1,296 |
| Busti | $1,180 |
| Byron | $1,127 |
| Cadyville | $1,315 |
| Cairo | $1,283 |
| Calcium | $1,263 |
| Caledonia | $1,098 |
| Callicoon | $1,287 |
| Callicoon Center | $1,285 |
| Calverton | $2,545 |
| Cambria Heights | $1,962 |
| Cambridge | $1,323 |
| Camden | $1,289 |
| Cameron | $1,167 |
| Cameron Mills | $1,173 |
| Camillus | $1,082 |
| Campbell | $1,164 |
| Campbell Hall | $1,227 |
| Canaan | $1,262 |
| Canajoharie | $1,189 |
| Canandaigua | $1,091 |
| Canaseraga | $1,171 |
| Canastota | $1,099 |
| Candor | $1,136 |
| Caneadea | $1,172 |
| Canisteo | $1,166 |
| Canton | $1,249 |
| Cape Vincent | $1,291 |
| Carle Place | $1,856 |
| Carlisle | $1,232 |
| Carmel | $1,293 |
| Carmel Hamlet | $1,294 |
| Caroga Lake | $1,285 |
| Carthage | $1,271 |
| Cassadaga | $1,181 |
| Cassville | $1,230 |
| Castile | $1,160 |
| Castle Creek | $1,148 |
| Castle Point | $1,166 |
| Castleton-on-Hudson | $1,174 |
| Castorland | $1,284 |
| Cato | $1,167 |
| Catskill | $1,279 |
| Cattaraugus | $1,164 |
| Cayuga | $1,165 |
| Cayuga Heights | $1,140 |
| Cayuta | $1,160 |
| Cazenovia | $1,090 |
| Cedarhurst | $2,244 |
| Celoron | $1,176 |
| Center Moriches | $2,799 |
| Centereach | $2,351 |
| Centerport | $2,275 |
| Central Bridge | $1,231 |
| Central Islip | $2,745 |
| Central Square | $1,126 |
| Central Valley | $1,222 |
| Centre Island | $1,843 |
| Ceres | $1,175 |
| Chadwicks | $1,242 |
| Chaffee | $1,059 |
| Champlain | $1,310 |
| Chappaqua | $1,425 |
| Charlotteville | $1,243 |
| Chase Mills | $1,270 |
| Chateaugay | $1,323 |
| Chatham | $1,270 |
| Chaumont | $1,276 |
| Chautauqua | $1,189 |
| Chazy | $1,314 |
| Cheektowaga | $1,062 |
| Chelsea | $1,169 |
| Chemung | $1,138 |
| Chenango Bridge | $1,148 |
| Chenango Forks | $1,163 |
| Cherry Creek | $1,181 |
| Cherry Plain | $1,209 |
| Cherry Valley | $1,183 |
| Chester | $1,223 |
| Chestertown | $1,282 |
| Chestnut Ridge | $1,265 |
| Chichester | $1,221 |
| Childwold | $1,264 |
| Chippewa Bay | $1,283 |
| Chittenango | $1,084 |
| Churchville | $1,029 |
| Churubusco | $1,315 |
| Cicero | $1,070 |
| Cincinnatus | $1,180 |
| Circleville | $1,239 |
| Clarence | $1,044 |
| Clarence Center | $1,045 |
| Clark Mills | $1,238 |
| Clarkson | $1,037 |
| Clarksville | $1,132 |
| Claryville | $1,279 |
| Claverack | $1,265 |
| Clay | $1,081 |
| Clayton | $1,292 |
| Clayville | $1,252 |
| Clemons | $1,311 |
| Cleveland | $1,111 |
| Cleverdale | $1,293 |
| Clifton Park | $1,171 |
| Clifton Springs | $1,100 |
| Climax | $1,290 |
| Clinton | $1,246 |
| Clinton Corners | $1,150 |
| Clintondale | $1,224 |
| Clockville | $1,108 |
| Clyde | $1,131 |
| Clymer | $1,185 |
| Cobleskill | $1,234 |
| Cochecton | $1,278 |
| Cochecton Center | $1,275 |
| Coeymans Hollow | $1,131 |
| Cohocton | $1,170 |
| Cohoes | $1,142 |
| Cold Brook | $1,257 |
| Cold Spring | $1,293 |
| Cold Spring Harbor | $2,277 |
| Colden | $1,060 |
| College Point | $1,869 |
| Colliersville | $1,169 |
| Collins | $1,055 |
| Collins Center | $1,052 |
| Colonie | $1,149 |
| Colton | $1,244 |
| Columbiaville | $1,265 |
| Commack | $2,288 |
| Comstock | $1,289 |
| Conesus | $1,107 |
| Conewango Valley | $1,171 |
| Congers | $1,268 |
| Conklin | $1,147 |
| Connelly | $1,233 |
| Constable | $1,330 |
| Constableville | $1,274 |
| Constantia | $1,121 |
| Coopers Plains | $1,157 |
| Cooperstown | $1,189 |
| Copake | $1,278 |
| Copake Falls | $1,270 |
| Copenhagen | $1,269 |
| Copiague | $2,723 |
| Coram | $2,267 |
| Corbettsville | $1,154 |
| Corfu | $1,127 |
| Corinth | $1,170 |
| Corning | $1,158 |
| Cornwall | $1,230 |
| Cornwall-on-Hudson | $1,225 |
| Cornwallville | $1,304 |
| Corona | $1,866 |
| Cortland | $1,157 |
| Cortland West | $1,158 |
| Cortlandt Manor | $1,341 |
| Cossayuna | $1,311 |
| Cottekill | $1,236 |
| Country Knolls | $1,166 |
| Cowlesville | $1,145 |
| Coxsackie | $1,261 |
| Cragsmoor | $1,240 |
| Cranberry Lake | $1,264 |
| Craryville | $1,270 |
| Crittenden | $1,047 |
| Croghan | $1,269 |
| Crompond | $1,365 |
| Cropseyville | $1,192 |
| Cross River | $1,378 |
| Croton Falls | $1,357 |
| Croton-on-Hudson | $1,343 |
| Crown Heights | $1,138 |
| Crown Point | $1,314 |
| Crugers | $1,344 |
| Cuba | $1,164 |
| Cuddebackville | $1,267 |
| Cumberland Head | $1,315 |
| Cutchogue | $2,607 |
| Dale | $1,175 |
| Dalton | $1,137 |
| Dannemora | $1,313 |
| Dansville | $1,121 |
| Darien Center | $1,129 |
| Davenport | $1,188 |
| Davenport Center | $1,194 |
| Dayton | $1,181 |
| De Kalb Junction | $1,252 |
| De Peyster | $1,291 |
| De Ruyter | $1,135 |
| Deansboro | $1,231 |
| Deer Park | $2,712 |
| Deer River | $1,285 |
| Deferiet | $1,291 |
| Delancey | $1,196 |
| Delanson | $1,193 |
| Delevan | $1,166 |
| Delhi | $1,194 |
| Delmar | $1,135 |
| Delphi Falls | $1,052 |
| Denver | $1,209 |
| Depauville | $1,297 |
| Depew | $1,054 |
| Deposit | $1,170 |
| Derby | $1,052 |
| Dewittville | $1,183 |
| Dexter | $1,281 |
| Diamond Point | $1,301 |
| Dickinson Center | $1,324 |
| Dix Hills | $2,292 |
| Dobbs Ferry | $1,431 |
| Dolgeville | $1,267 |
| Dormansville | $1,141 |
| Dover Plains | $1,153 |
| Downsville | $1,206 |
| Dresden | $1,165 |
| Dryden | $1,144 |
| Duane Lake | $1,200 |
| Duanesburg | $1,202 |
| Dundee | $1,157 |
| Dunkirk | $1,167 |
| Durham | $1,268 |
| Durhamville | $1,276 |
| Eagle Bay | $1,272 |
| Eagle Bridge | $1,277 |
| Earlton | $1,277 |
| Earlville | $1,122 |
| East Amherst | $1,046 |
| East Atlantic Beach | $2,235 |
| East Aurora | $1,046 |
| East Berne | $1,134 |
| East Bethany | $1,146 |
| East Branch | $1,211 |
| East Chatham | $1,263 |
| East Concord | $1,064 |
| East Durham | $1,275 |
| East Elmhurst | $1,940 |
| East Farmingdale | $2,560 |
| East Garden City | $2,231 |
| East Glenville | $1,195 |
| East Greenbush | $1,175 |
| East Hampton | $2,982 |
| East Hampton North | $2,982 |
| East Hills | $1,878 |
| East Homer | $1,129 |
| East Islip | $2,762 |
| East Ithaca | $1,137 |
| East Jewett | $1,285 |
| East Marion | $2,638 |
| East Massapequa | $2,094 |
| East Meadow | $2,241 |
| East Meredith | $1,188 |
| East Moriches | $2,913 |
| East Nassau | $1,175 |
| East Northport | $2,285 |
| East Norwich | $1,844 |
| East Otto | $1,140 |
| East Patchogue | $2,744 |
| East Pembroke | $1,135 |
| East Pharsalia | $1,196 |
| East Quogue | $2,918 |
| East Randolph | $1,163 |
| East Rochester | $1,023 |
| East Rockaway | $2,237 |
| East Schodack | $1,174 |
| East Setauket | $2,304 |
| East Shoreham | $2,274 |
| East Springfield | $1,190 |
| East Syracuse | $1,067 |
| East Williamson | $1,127 |
| East Williston | $1,889 |
| East Worcester | $1,195 |
| Eastchester | $1,433 |
| Eastport | $2,908 |
| Eaton | $1,118 |
| Eatons Neck | $2,291 |
| Eden | $1,057 |
| Edmeston | $1,178 |
| Edwards | $1,251 |
| Eggertsville | $1,062 |
| Elba | $1,143 |
| Elbridge | $1,067 |
| Eldred | $1,280 |
| Elizabethtown | $1,318 |
| Elizaville | $1,255 |
| Elka Park | $1,275 |
| Ellenburg Center | $1,311 |
| Ellenburg Depot | $1,309 |
| Ellenville | $1,269 |
| Ellicottville | $1,181 |
| Ellington | $1,172 |
| Ellisburg | $1,300 |
| Elma | $1,047 |
| Elma Center | $1,047 |
| Elmhurst | $1,860 |
| Elmira | $1,129 |
| Elmira Heights | $1,128 |
| Elmont | $2,166 |
| Elmsford | $1,414 |
| Elwood | $2,284 |
| Endicott | $1,145 |
| Endwell | $1,145 |
| Erieville | $1,102 |
| Erin | $1,134 |
| Esperance | $1,191 |
| Essex | $1,311 |
| Etna | $1,166 |
| Evans Mills | $1,266 |
| Fabius | $1,063 |
| Fair Haven | $1,161 |
| Fairmount | $1,081 |
| Fairport | $1,026 |
| Fairview | $1,338 |
| Falconer | $1,174 |
| Fancher | $1,119 |
| Far Rockaway | $1,959 |
| Farmersville Station | $1,169 |
| Farmingdale | $1,994 |
| Farmington | $1,084 |
| Farmingville | $2,402 |
| Farnham | $1,080 |
| Fayetteville | $1,060 |
| Felts Mills | $1,294 |
| Ferndale | $1,285 |
| Feura Bush | $1,132 |
| Fillmore | $1,168 |
| Findley Lake | $1,179 |
| Fine | $1,260 |
| Fire Island | $2,749 |
| Firthcliffe | $1,227 |
| Fishers | $1,094 |
| Fishers Island | $2,453 |
| Fishers Landing | $1,304 |
| Fishkill | $1,180 |
| Fishs Eddy | $1,208 |
| Flanders | $2,557 |
| Fleischmanns | $1,210 |
| Floral Park | $2,003 |
| Florida | $1,227 |
| Flower Hill | $1,884 |
| Flushing | $1,871 |
| Fly Creek | $1,179 |
| Fonda | $1,203 |
| Forest Hills | $1,870 |
| Forestburgh | $1,281 |
| Forestport | $1,255 |
| Forestville | $1,170 |
| Fort Ann | $1,292 |
| Fort Covington Hamlet | $1,326 |
| Fort Drum | $1,262 |
| Fort Edward | $1,223 |
| Fort Hunter | $1,211 |
| Fort Johnson | $1,247 |
| Fort Montgomery | $1,214 |
| Fort Plain | $1,195 |
| Fort Salonga | $2,293 |
| Frankfort | $1,262 |
| Franklin | $1,197 |
| Franklin Springs | $1,260 |
| Franklin Square | $2,193 |
| Franklinville | $1,169 |
| Fredonia | $1,171 |
| Freedom | $1,162 |
| Freehold | $1,269 |
| Freeport | $2,253 |
| Freeville | $1,142 |
| Fremont Center | $1,287 |
| Fresh Meadows | $1,875 |
| Frewsburg | $1,175 |
| Friendship | $1,166 |
| Fulton | $1,128 |
| Fultonham | $1,228 |
| Fultonville | $1,191 |
| Gabriels | $1,328 |
| Gainesville | $1,158 |
| Galeville | $1,061 |
| Gallupville | $1,270 |
| Galway | $1,181 |
| Gang Mills | $1,157 |
| Gansevoort | $1,169 |
| Garden City | $1,915 |
| Garden City Park | $1,938 |
| Garden City South | $2,063 |
| Gardiner | $1,231 |
| Gardnertown | $1,236 |
| Garnerville | $1,268 |
| Garrattsville | $1,184 |
| Garrison | $1,296 |
| Gasport | $1,058 |
| Gates | $1,040 |
| Geneseo | $1,122 |
| Geneva | $1,144 |
| Genoa | $1,172 |
| Georgetown | $1,087 |
| Germantown | $1,258 |
| Gerry | $1,170 |
| Getzville | $1,042 |
| Ghent | $1,271 |
| Gilbertsville | $1,195 |
| Gilboa | $1,242 |
| Glasco | $1,230 |
| Glen Aubrey | $1,140 |
| Glen Cove | $1,828 |
| Glen Head | $1,836 |
| Glen Oaks | $1,870 |
| Glen Spey | $1,280 |
| Glen Wild | $1,278 |
| Glenfield | $1,257 |
| Glenford | $1,232 |
| Glenham | $1,189 |
| Glenmont | $1,132 |
| Glens Falls | $1,261 |
| Glens Falls North | $1,266 |
| Glenwood | $1,051 |
| Glenwood Landing | $1,833 |
| Gloversville | $1,282 |
| Golden's Bridge | $1,376 |
| Gordon Heights | $2,483 |
| Goshen | $1,221 |
| Gouverneur | $1,251 |
| Gowanda | $1,093 |
| Grahamsville | $1,292 |
| Grand Gorge | $1,215 |
| Grand Island | $1,067 |
| Grandyle Village | $1,064 |
| Granite Springs | $1,374 |
| Granville | $1,304 |
| Great Bend | $1,292 |
| Great Neck | $1,908 |
| Great Neck Estates | $1,907 |
| Great Neck Gardens | $1,912 |
| Great Neck Plaza | $1,913 |
| Great River | $2,761 |
| Great Valley | $1,181 |
| Greece | $1,037 |
| Green Island | $1,140 |
| Greene | $1,196 |
| Greenfield Center | $1,166 |
| Greenfield Park | $1,248 |
| Greenhurst | $1,181 |
| Greenlawn | $2,279 |
| Greenport | $2,634 |
| Greenport West | $2,636 |
| Greenvale | $1,886 |
| Greenville | $1,324 |
| Greenwich | $1,310 |
| Greenwood | $1,169 |
| Greenwood Lake | $1,228 |
| Greig | $1,286 |
| Groton | $1,161 |
| Groveland | $1,111 |
| Guilderland | $1,144 |
| Guilderland Center | $1,143 |
| Guilford | $1,187 |
| Hadley | $1,184 |
| Hagaman | $1,200 |
| Hague | $1,285 |
| Hailesboro | $1,250 |
| Haines Falls | $1,285 |
| Halcottsville | $1,211 |
| Halesite | $2,276 |
| Hall | $1,102 |
| Hamburg | $1,057 |
| Hamden | $1,196 |
| Hamilton | $1,099 |
| Hamlin | $1,036 |
| Hammond | $1,249 |
| Hammondsport | $1,169 |
| Hampton | $1,308 |
| Hampton Bays | $2,921 |
| Hampton Manor | $1,166 |
| Hancock | $1,206 |
| Hankins | $1,300 |
| Hannacroix | $1,247 |
| Hannawa Falls | $1,248 |
| Hannibal | $1,134 |
| Harbor Hills | $1,905 |
| Harbor Isle | $2,250 |
| Harpersfield | $1,200 |
| Harpursville | $1,159 |
| Harriman | $1,224 |
| Harris | $1,284 |
| Harris Hill | $1,043 |
| Harrison | $1,435 |
| Harrisville | $1,269 |
| Hartford | $1,285 |
| Hartsdale | $1,437 |
| Hartwick | $1,179 |
| Hastings | $1,130 |
| Hastings-on-Hudson | $1,460 |
| Hauppauge | $2,283 |
| Haverstraw | $1,269 |
| Haviland | $1,142 |
| Hawthorne | $1,416 |
| Head of the Harbor | $2,307 |
| Hector | $1,161 |
| Helena | $1,281 |
| Hemlock | $1,098 |
| Hempstead | $2,197 |
| Henderson | $1,281 |
| Henderson Harbor | $1,296 |
| Henrietta | $1,026 |
| Hensonville | $1,296 |
| Heritage Hills | $1,371 |
| Herkimer | $1,261 |
| Hermon | $1,250 |
| Herricks | $1,890 |
| Heuvelton | $1,255 |
| Hewlett | $2,238 |
| Hewlett Bay Park | $2,246 |
| Hewlett Harbor | $2,244 |
| Hicksville | $1,841 |
| High Falls | $1,236 |
| Highland | $1,222 |
| Highland Falls | $1,210 |
| Highland Lake | $1,292 |
| Highland Mills | $1,224 |
| Highmount | $1,241 |
| Hillburn | $1,272 |
| Hillcrest | $1,271 |
| Hillsdale | $1,273 |
| Hillside | $1,222 |
| Hillside Lake | $1,152 |
| Hilton | $1,020 |
| Himrod | $1,156 |
| Hinckley | $1,283 |
| Hinsdale | $1,172 |
| Hobart | $1,195 |
| Hoffmeister | $1,316 |
| Hogansburg | $1,323 |
| Holbrook | $2,650 |
| Holland | $1,060 |
| Holland Patent | $1,265 |
| Holley | $1,102 |
| Hollis | $1,887 |
| Hollowville | $1,267 |
| Holmes | $1,150 |
| Holtsville | $2,669 |
| Homer | $1,164 |
| Honeoye | $1,105 |
| Honeoye Falls | $1,031 |
| Hoosick Falls | $1,200 |
| Hopewell Junction | $1,149 |
| Hornell | $1,170 |
| Horseheads | $1,134 |
| Horseheads North | $1,128 |
| Hortonville | $1,296 |
| Houghton | $1,169 |
| Howard Beach | $1,947 |
| Howells | $1,235 |
| Howes Cave | $1,211 |
| Hubbardsville | $1,113 |
| Hudson | $1,263 |
| Hudson Falls | $1,271 |
| Hughsonville | $1,147 |
| Huguenot | $1,269 |
| Huletts Landing | $1,304 |
| Hunt | $1,134 |
| Hunter | $1,274 |
| Huntington | $2,278 |
| Huntington Bay | $2,284 |
| Huntington Station | $2,278 |
| Hurley | $1,225 |
| Hurleyville | $1,287 |
| Hyde Park | $1,139 |
| Ilion | $1,258 |
| Indian Lake | $1,305 |
| Inlet | $1,291 |
| Interlaken | $1,167 |
| Inwood | $2,209 |
| Ionia | $1,078 |
| Irondequoit | $1,040 |
| Irving | $1,066 |
| Irvington | $1,429 |
| Island Park | $2,245 |
| Islandia | $2,451 |
| Islip | $2,739 |
| Islip Terrace | $2,739 |
| Ithaca | $1,143 |
| Jackson Heights | $1,862 |
| Jacksonville | $1,160 |
| Jamaica | $1,937 |
| Jamesport | $2,559 |
| Jamestown | $1,175 |
| Jamestown West | $1,174 |
| Jamesville | $1,061 |
| Jasper | $1,172 |
| Java Center | $1,139 |
| Java Village | $1,143 |
| Jay | $1,311 |
| Jefferson | $1,217 |
| Jefferson Heights | $1,273 |
| Jefferson Valley | $1,355 |
| Jefferson Valley-Yorktown | $1,370 |
| Jeffersonville | $1,288 |
| Jericho | $1,862 |
| Jewett | $1,296 |
| Johnsburg | $1,293 |
| Johnson | $1,234 |
| Johnson City | $1,145 |
| Johnsonville | $1,196 |
| Johnstown | $1,253 |
| Jordan | $1,113 |
| Jordanville | $1,251 |
| Kanona | $1,168 |
| Kaser | $1,270 |
| Katonah | $1,353 |
| Kattskill Bay | $1,268 |
| Kauneonga Lake | $1,296 |
| Keene | $1,316 |
| Keene Valley | $1,332 |
| Keeseville | $1,326 |
| Kendall | $1,105 |
| Kenmore | $1,071 |
| Kennedy | $1,169 |
| Kenoza Lake | $1,287 |
| Kensington | $1,912 |
| Kent | $1,113 |
| Kerhonkson | $1,245 |
| Keuka Park | $1,152 |
| Kew Gardens | $1,885 |
| Kiamesha Lake | $1,280 |
| Kill Buck | $1,182 |
| Killawog | $1,166 |
| Kinderhook | $1,246 |
| King Ferry | $1,172 |
| Kings Park | $2,305 |
| Kings Point | $1,911 |
| Kingston | $1,223 |
| Kirkville | $1,070 |
| Kirkwood | $1,155 |
| Kiryas Joel | $1,227 |
| Knowlesville | $1,136 |
| Knoxboro | $1,246 |
| La Fargeville | $1,269 |
| La Fayette | $1,062 |
| Lackawanna | $1,051 |
| Lacona | $1,131 |
| Lagrangeville | $1,150 |
| Lake Carmel | $1,289 |
| Lake Clear | $1,319 |
| Lake Erie Beach | $1,059 |
| Lake George | $1,306 |
| Lake Grove | $2,275 |
| Lake Hill | $1,232 |
| Lake Huntington | $1,282 |
| Lake Katrine | $1,252 |
| Lake Luzerne | $1,274 |
| Lake Mohegan | $1,344 |
| Lake Peekskill | $1,294 |
| Lake Placid | $1,308 |
| Lake Pleasant | $1,298 |
| Lake Ronkonkoma | $2,357 |
| Lake Success | $1,909 |
| Lake View | $1,052 |
| Lakeland | $1,080 |
| Lakemont | $1,168 |
| Lakeview | $2,217 |
| Lakeville | $1,103 |
| Lakewood | $1,173 |
| Lancaster | $1,045 |
| Lanesville | $1,278 |
| Lansing | $1,149 |
| Larchmont | $1,438 |
| Latham | $1,143 |
| Lattingtown | $1,836 |
| Laurel | $2,582 |
| Laurel Hollow | $1,848 |
| Laurens | $1,185 |
| Lawrence | $2,226 |
| Lawrenceville | $1,285 |
| Lawtons | $1,064 |
| Le Roy | $1,121 |
| Lee Center | $1,281 |
| Leeds | $1,278 |
| Leicester | $1,108 |
| Leonardsville | $1,098 |
| Levittown | $2,192 |
| Lewis | $1,318 |
| Lewiston | $1,070 |
| Liberty | $1,291 |
| Lido Beach | $2,244 |
| Lily Dale | $1,192 |
| Lima | $1,084 |
| Lime Lake | $1,162 |
| Limerick | $1,283 |
| Limestone | $1,178 |
| Lincoln Park | $1,222 |
| Lincolndale | $1,374 |
| Lindenhurst | $2,721 |
| Lindley | $1,162 |
| Linwood | $1,116 |
| Lisbon | $1,249 |
| Lisle | $1,153 |
| Little Falls | $1,268 |
| Little Genesee | $1,167 |
| Little Neck | $1,881 |
| Little Valley | $1,184 |
| Little York | $1,143 |
| Liverpool | $1,060 |
| Livingston Manor | $1,282 |
| Livonia | $1,100 |
| Livonia Center | $1,112 |
| Lloyd Harbor | $2,284 |
| Loch Sheldrake | $1,291 |
| Locke | $1,170 |
| Lockport | $1,056 |
| Lockwood | $1,158 |
| Locust Valley | $1,836 |
| Lodi | $1,170 |
| Long Beach | $2,240 |
| Long Eddy | $1,232 |
| Long Island City | $1,863 |
| Long Lake | $1,312 |
| Lorenz Park | $1,263 |
| Lorraine | $1,296 |
| Lowman | $1,136 |
| Lowville | $1,270 |
| Lycoming | $1,155 |
| Lynbrook | $2,228 |
| Lyncourt | $1,112 |
| Lyndonville | $1,132 |
| Lyon Mountain | $1,319 |
| Lyons | $1,120 |
| Lyons Falls | $1,256 |
| Macedon | $1,094 |
| Machias | $1,165 |
| Madison | $1,102 |
| Madrid | $1,247 |
| Mahopac | $1,302 |
| Mahopac Falls | $1,316 |
| Maine | $1,154 |
| Malden Bridge | $1,266 |
| Malden On Hudson | $1,262 |
| Mallory | $1,145 |
| Malone | $1,324 |
| Malverne | $2,225 |
| Malverne Park Oaks | $2,225 |
| Mamaroneck | $1,440 |
| Manchester | $1,095 |
| Manhasset | $1,894 |
| Manhasset Hills | $1,890 |
| Manlius | $1,061 |
| Mannsville | $1,281 |
| Manorhaven | $1,904 |
| Manorville | $2,764 |
| Maple Springs | $1,187 |
| Maple View | $1,127 |
| Maplecrest | $1,299 |
| Marathon | $1,163 |
| Marcellus | $1,077 |
| Marcy | $1,249 |
| Margaretville | $1,209 |
| Mariaville Lake | $1,211 |
| Marietta | $1,068 |
| Marilla | $1,043 |
| Marion | $1,096 |
| Marlboro | $1,220 |
| Martville | $1,166 |
| Maryknoll | $1,347 |
| Maryland | $1,190 |
| Masonville | $1,194 |
| Maspeth | $1,862 |
| Massapequa | $2,098 |
| Massapequa Park | $2,086 |
| Massena | $1,245 |
| Mastic | $2,711 |
| Mastic Beach | $2,734 |
| Matinecock | $1,838 |
| Mattituck | $2,584 |
| Mattydale | $1,065 |
| Maybrook | $1,224 |
| Mayfield | $1,313 |
| Mayville | $1,187 |
| Mc Connellsville | $1,267 |
| Mc Donough | $1,187 |
| Mc Graw | $1,161 |
| Mc Lean | $1,143 |
| Mechanicstown | $1,223 |
| Mechanicville | $1,192 |
| Mecklenburg | $1,158 |
| Medford | $2,619 |
| Medina | $1,124 |
| Medusa | $1,133 |
| Mellenville | $1,249 |
| Melrose | $1,192 |
| Melrose Park | $1,167 |
| Melville | $2,277 |
| Memphis | $1,074 |
| Menands | $1,146 |
| Mendon | $1,030 |
| Meridale | $1,189 |
| Meridian | $1,166 |
| Merrick | $2,251 |
| Merritt Park | $1,180 |
| Mexico | $1,129 |
| Middle Falls | $1,311 |
| Middle Granville | $1,305 |
| Middle Grove | $1,167 |
| Middle Island | $2,272 |
| Middle Village | $1,867 |
| Middleburgh | $1,207 |
| Middleport | $1,081 |
| Middlesex | $1,136 |
| Middletown | $1,232 |
| Middleville | $1,252 |
| Milford | $1,188 |
| Mill Neck | $1,835 |
| Millbrook | $1,152 |
| Miller Place | $2,306 |
| Millerton | $1,152 |
| Millport | $1,129 |
| Millwood | $1,329 |
| Milton | $1,199 |
| Mineola | $1,966 |
| Minerva | $1,338 |
| Minetto | $1,122 |
| Mineville | $1,317 |
| Minoa | $1,068 |
| Model City | $1,088 |
| Modena | $1,231 |
| Mohawk | $1,262 |
| Mohegan Lake | $1,342 |
| Moira | $1,334 |
| Mongaup Valley | $1,283 |
| Monroe | $1,211 |
| Monsey | $1,270 |
| Montauk | $2,969 |
| Montebello | $1,273 |
| Montgomery | $1,233 |
| Monticello | $1,275 |
| Montour Falls | $1,162 |
| Montrose | $1,345 |
| Mooers | $1,313 |
| Mooers Forks | $1,316 |
| Moravia | $1,169 |
| Moriah | $1,312 |
| Moriah Center | $1,315 |
| Moriches | $2,796 |
| Morris | $1,193 |
| Morrisonville | $1,314 |
| Morristown | $1,264 |
| Morrisville | $1,105 |
| Morton | $1,029 |
| Mottville | $1,099 |
| Mount Ivy | $1,271 |
| Mount Kisco | $1,348 |
| Mount Marion | $1,234 |
| Mount Morris | $1,127 |
| Mount Sinai | $2,294 |
| Mount Tremper | $1,218 |
| Mount Upton | $1,192 |
| Mount Vernon | $1,565 |
| Mount Vision | $1,179 |
| Mountain Dale | $1,277 |
| Mountain Lodge Park | $1,227 |
| Mountainville | $1,234 |
| Mumford | $1,021 |
| Munnsville | $1,110 |
| Munsey Park | $1,876 |
| Munsons Corners | $1,156 |
| Muttontown | $1,854 |
| Myers Corner | $1,149 |
| Nanuet | $1,263 |
| Napanoch | $1,269 |
| Napeague | $3,005 |
| Naples | $1,139 |
| Narrowsburg | $1,282 |
| Nassau | $1,171 |
| Natural Bridge | $1,274 |
| Nedrow | $1,069 |
| Nelliston | $1,187 |
| Nelsonville | $1,292 |
| Nesconset | $2,283 |
| Neversink | $1,295 |
| New Berlin | $1,172 |
| New Cassel | $1,920 |
| New City | $1,269 |
| New Hampton | $1,228 |
| New Hartford | $1,233 |
| New Hempstead | $1,273 |
| New Hyde Park | $1,890 |
| New Kingston | $1,206 |
| New Lebanon | $1,261 |
| New Lisbon | $1,184 |
| New Milford | $1,228 |
| New Paltz | $1,224 |
| New Rochelle | $1,516 |
| New Russia | $1,332 |
| New Square | $1,273 |
| New Suffolk | $2,621 |
| New Windsor | $1,228 |
| New Woodstock | $1,088 |
| New York | $2,158 |
| New York Mills | $1,231 |
| Newark | $1,101 |
| Newark Valley | $1,144 |
| Newburgh | $1,232 |
| Newcomb | $1,332 |
| Newfane | $1,073 |
| Newfield | $1,139 |
| Newport | $1,254 |
| Newton Falls | $1,255 |
| Newtonville | $1,153 |
| Niagara Falls | $1,238 |
| Niagara University | $1,084 |
| Nichols | $1,141 |
| Nicholville | $1,277 |
| Nineveh | $1,159 |
| Niobe | $1,187 |
| Niskayuna | $1,195 |
| Nissequogue | $2,305 |
| Niverville | $1,247 |
| Norfolk | $1,249 |
| North Amityville | $2,727 |
| North Babylon | $2,721 |
| North Ballston Spa | $1,171 |
| North Bangor | $1,328 |
| North Bay | $1,254 |
| North Bay Shore | $2,738 |
| North Bellmore | $2,259 |
| North Bellport | $2,726 |
| North Blenheim | $1,254 |
| North Boston | $1,060 |
| North Branch | $1,286 |
| North Brookfield | $1,113 |
| North Chatham | $1,262 |
| North Chili | $1,016 |
| North Collins | $1,064 |
| North Creek | $1,302 |
| North Evans | $1,055 |
| North Gates | $1,040 |
| North Granville | $1,281 |
| North Great River | $2,743 |
| North Greece | $1,016 |
| North Haven | $2,794 |
| North Hills | $1,866 |
| North Hoosick | $1,227 |
| North Hudson | $1,327 |
| North Java | $1,138 |
| North Lawrence | $1,250 |
| North Lindenhurst | $2,722 |
| North Lynbrook | $2,232 |
| North Massapequa | $2,099 |
| North Merrick | $2,251 |
| North New Hyde Park | $1,893 |
| North Patchogue | $2,744 |
| North Pitcher | $1,200 |
| North River | $1,307 |
| North Rose | $1,132 |
| North Salem | $1,372 |
| North Sea | $2,983 |
| North Syracuse | $1,075 |
| North Tonawanda | $1,061 |
| North Valley Stream | $2,199 |
| North Wantagh | $2,259 |
| Northampton | $2,554 |
| Northeast Ithaca | $1,140 |
| Northport | $2,291 |
| Northville | $1,710 |
| Northwest Harbor | $2,978 |
| Northwest Ithaca | $1,143 |
| Norwich | $1,171 |
| Norwood | $1,249 |
| Noyack | $2,797 |
| Nunda | $1,135 |
| Nyack | $1,260 |
| Oak Hill | $1,301 |
| Oakdale | $2,761 |
| Oakfield | $1,142 |
| Oakland Gardens | $1,879 |
| Oaks Corners | $1,106 |
| Obernburg | $1,285 |
| Ocean Beach | $2,744 |
| Oceanside | $2,244 |
| Odessa | $1,160 |
| Ogdensburg | $1,240 |
| Olcott | $1,074 |
| Old Bethpage | $1,905 |
| Old Brookville | $1,844 |
| Old Chatham | $1,258 |
| Old Field | $2,303 |
| Old Forge | $1,258 |
| Old Westbury | $1,898 |
| Olean | $1,163 |
| Olivebridge | $1,233 |
| Olmstedville | $1,320 |
| Oneida | $1,189 |
| Oneonta | $1,181 |
| Ontario | $1,101 |
| Ontario Center | $1,106 |
| Orange Lake | $1,229 |
| Orangeburg | $1,259 |
| Orchard Park | $1,054 |
| Orient | $2,641 |
| Oriskany | $1,251 |
| Oriskany Falls | $1,233 |
| Ossining | $1,344 |
| Oswegatchie | $1,282 |
| Oswego | $1,134 |
| Otego | $1,198 |
| Otisville | $1,238 |
| Ouaquaga | $1,173 |
| Ovid | $1,179 |
| Owego | $1,149 |
| Owls Head | $1,317 |
| Oxbow | $1,291 |
| Oxford | $1,187 |
| Oyster Bay | $1,846 |
| Oyster Bay Cove | $1,846 |
| Ozone Park | $1,945 |
| Painted Post | $1,155 |
| Palatine Bridge | $1,190 |
| Palenville | $1,277 |
| Palisades | $1,259 |
| Palmyra | $1,093 |
| Panama | $1,184 |
| Paradox | $1,332 |
| Parish | $1,133 |
| Parishville | $1,259 |
| Parksville | $1,294 |
| Patchogue | $2,744 |
| Patterson | $1,311 |
| Pattersonville | $1,208 |
| Paul Smiths | $1,332 |
| Pavilion | $1,149 |
| Pawling | $1,144 |
| Peach Lake | $1,330 |
| Pearl River | $1,261 |
| Peconic | $2,608 |
| Peekskill | $1,341 |
| Pelham | $1,444 |
| Pelham Manor | $1,436 |
| Penfield | $1,024 |
| Penn Yan | $1,154 |
| Pennellville | $1,121 |
| Perkinsville | $1,173 |
| Perry | $1,156 |
| Perrysburg | $1,150 |
| Peru | $1,316 |
| Peterboro | $1,114 |
| Petersburg | $1,187 |
| Phelps | $1,121 |
| Philadelphia | $1,272 |
| Phillipsport | $1,275 |
| Philmont | $1,271 |
| Phoenicia | $1,237 |
| Phoenix | $1,111 |
| Piercefield | $1,259 |
| Piermont | $1,257 |
| Pierrepont Manor | $1,291 |
| Piffard | $1,107 |
| Pine Bush | $1,241 |
| Pine City | $1,136 |
| Pine Hill | $1,260 |
| Pine Island | $1,233 |
| Pine Plains | $1,186 |
| Pine Valley | $1,129 |
| Piseco | $1,297 |
| Pitcher | $1,200 |
| Pittsford | $1,024 |
| Plainedge | $2,007 |
| Plainview | $1,853 |
| Plainville | $1,086 |
| Plandome | $1,876 |
| Plandome Heights | $1,874 |
| Plandome Manor | $1,876 |
| Plattekill | $1,226 |
| Plattsburgh | $1,312 |
| Plattsburgh West | $1,313 |
| Pleasant Valley | $1,148 |
| Pleasantville | $1,415 |
| Plessis | $1,298 |
| Plymouth | $1,177 |
| Poestenkill | $1,194 |
| Point Lookout | $2,245 |
| Poland | $1,274 |
| Pomona | $1,273 |
| Pond Eddy | $1,298 |
| Poplar Ridge | $1,153 |
| Poquott | $2,300 |
| Port Byron | $1,158 |
| Port Chester | $1,435 |
| Port Crane | $1,160 |
| Port Dickinson | $1,146 |
| Port Ewen | $1,232 |
| Port Gibson | $1,093 |
| Port Henry | $1,315 |
| Port Jefferson | $2,296 |
| Port Jefferson Station | $2,278 |
| Port Jervis | $1,268 |
| Port Kent | $1,343 |
| Port Leyden | $1,252 |
| Port Washington | $1,903 |
| Port Washington North | $1,906 |
| Portageville | $1,164 |
| Porter Corners | $1,165 |
| Portlandville | $1,190 |
| Portville | $1,168 |
| Potsdam | $1,246 |
| Pottersville | $1,272 |
| Poughkeepsie | $1,138 |
| Poughquag | $1,147 |
| Pound Ridge | $1,453 |
| Prattsburgh | $1,167 |
| Prattsville | $1,282 |
| Preble | $1,165 |
| Preston Hollow | $1,144 |
| Prospect | $1,283 |
| Pulaski | $1,146 |
| Pulteney | $1,165 |
| Pultneyville | $1,123 |
| Purchase | $1,436 |
| Purdys | $1,357 |
| Purling | $1,303 |
| Putnam Lake | $1,305 |
| Putnam Station | $1,312 |
| Putnam Valley | $1,305 |
| Pyrites | $1,278 |
| Quaker Street | $1,202 |
| Queens Village | $1,895 |
| Queensbury | $1,269 |
| Quiogue | $2,910 |
| Quogue | $2,911 |
| Rainbow Lake | $1,341 |
| Randolph | $1,172 |
| Ransomville | $1,069 |
| Rapids | $1,057 |
| Raquette Lake | $1,316 |
| Ravena | $1,127 |
| Ray Brook | $1,315 |
| Raymondville | $1,271 |
| Reading Center | $1,167 |
| Red Creek | $1,161 |
| Red Hook | $1,191 |
| Red Oaks Mill | $1,139 |
| Redfield | $1,166 |
| Redford | $1,323 |
| Redwood | $1,262 |
| Rego Park | $1,866 |
| Remsen | $1,254 |
| Remsenburg | $2,898 |
| Rensselaer | $1,167 |
| Rensselaer Falls | $1,256 |
| Rensselaerville | $1,130 |
| Retsof | $1,135 |
| Rexford | $1,177 |
| Rexville | $1,168 |
| Rhinebeck | $1,139 |
| Rhinecliff | $1,123 |
| Richburg | $1,145 |
| Richfield Springs | $1,210 |
| Richford | $1,141 |
| Richland | $1,144 |
| Richmond Hill | $1,947 |
| Richmondville | $1,232 |
| Richville | $1,287 |
| Ridge | $2,261 |
| Ridgewood | $1,865 |
| Rifton | $1,222 |
| Riparius | $1,282 |
| Ripley | $1,163 |
| Riverhead | $2,554 |
| Riverside | $2,554 |
| Rochester | $1,138 |
| Rock City Falls | $1,182 |
| Rock Hill | $1,276 |
| Rock Stream | $1,160 |
| Rock Tavern | $1,220 |
| Rockaway Park | $1,970 |
| Rockville Centre | $2,246 |
| Rocky Point | $2,296 |
| Rodman | $1,301 |
| Rome | $1,281 |
| Romulus | $1,188 |
| Ronkonkoma | $2,518 |
| Roosevelt | $2,234 |
| Rooseveltown | $1,255 |
| Roscoe | $1,249 |
| Roseboom | $1,195 |
| Rosedale | $1,960 |
| Rosendale | $1,225 |
| Rosendale Hamlet | $1,228 |
| Roslyn | $1,869 |
| Roslyn Estates | $1,869 |
| Roslyn Harbor | $1,872 |
| Roslyn Heights | $1,876 |
| Rotterdam | $1,202 |
| Rotterdam Junction | $1,197 |
| Round Lake | $1,177 |
| Round Top | $1,270 |
| Rouses Point | $1,323 |
| Roxbury | $1,205 |
| Ruby | $1,243 |
| Rush | $1,014 |
| Rushford | $1,170 |
| Rushville | $1,121 |
| Russell | $1,249 |
| Russell Gardens | $1,910 |
| Rye | $1,438 |
| Rye Brook | $1,433 |
| Sabael | $1,297 |
| Sackets Harbor | $1,271 |
| Saddle Rock | $1,905 |
| Sag Harbor | $2,798 |
| Sagaponack | $2,969 |
| Saint Albans | $1,952 |
| Saint Johnsville | $1,247 |
| Saint Regis Falls | $1,287 |
| Salamanca | $1,186 |
| Salem | $1,322 |
| Salisbury | $1,961 |
| Salisbury Center | $1,270 |
| Salisbury Mills | $1,224 |
| Salt Point | $1,148 |
| Saltaire | $2,742 |
| Sanborn | $1,068 |
| Sand Lake | $1,196 |
| Sand Ridge | $1,115 |
| Sands Point | $1,903 |
| Sandusky | $1,165 |
| Sandy Creek | $1,128 |
| Saranac | $1,321 |
| Saranac Lake | $1,320 |
| Saratoga Springs | $1,168 |
| Sardinia | $1,063 |
| Saugerties | $1,233 |
| Saugerties South | $1,230 |
| Sauquoit | $1,232 |
| Savannah | $1,134 |
| Savona | $1,166 |
| Sayville | $2,765 |
| Scarsdale | $1,432 |
| Schaghticoke | $1,192 |
| Schenectady | $1,185 |
| Schenevus | $1,186 |
| Schodack Landing | $1,183 |
| Schoharie | $1,206 |
| Schroon Lake | $1,323 |
| Schuyler Falls | $1,323 |
| Schuyler Lake | $1,179 |
| Schuylerville | $1,173 |
| Scio | $1,166 |
| Scipio Center | $1,165 |
| Scotchtown | $1,238 |
| Scotia | $1,195 |
| Scotts Corners | $1,452 |
| Scottsburg | $1,125 |
| Scottsville | $1,021 |
| Sea Cliff | $1,832 |
| Seaford | $2,255 |
| Searingtown | $1,883 |
| Selden | $2,258 |
| Selkirk | $1,136 |
| Seneca Castle | $1,107 |
| Seneca Falls | $1,166 |
| Seneca Knolls | $1,079 |
| Setauket-East Setauket | $2,292 |
| Severance | $1,337 |
| Shandaken | $1,251 |
| Sharon Springs | $1,227 |
| Shelter Island | $2,662 |
| Shelter Island Heights | $2,616 |
| Shenorock | $1,371 |
| Sherburne | $1,171 |
| Sherman | $1,184 |
| Sherrill | $1,253 |
| Shinnecock Hills | $2,971 |
| Shirley | $2,732 |
| Shokan | $1,229 |
| Shoreham | $2,277 |
| Shortsville | $1,095 |
| Shrub Oak | $1,346 |
| Shushan | $1,324 |
| Sidney | $1,185 |
| Sidney Center | $1,195 |
| Silver Bay | $1,279 |
| Silver Creek | $1,149 |
| Silver Lake | $1,152 |
| Silver Springs | $1,156 |
| Sinclairville | $1,177 |
| Skaneateles | $1,095 |
| Skaneateles Falls | $1,062 |
| Slate Hill | $1,232 |
| Slaterville Springs | $1,142 |
| Sleepy Hollow | $1,427 |
| Slingerlands | $1,136 |
| Sloan | $1,076 |
| Sloansville | $1,267 |
| Sloatsburg | $1,276 |
| Smallwood | $1,282 |
| Smithboro | $1,163 |
| Smithtown | $2,297 |
| Smithville Flats | $1,204 |
| Smyrna | $1,177 |
| Sodus | $1,105 |
| Sodus Point | $1,104 |
| Solsville | $1,113 |
| Solvay | $1,079 |
| Somers | $1,374 |
| Sonyea | $1,109 |
| Sound Beach | $2,297 |
| South Bethlehem | $1,148 |
| South Blooming Grove | $1,230 |
| South Butler | $1,122 |
| South Byron | $1,130 |
| South Cairo | $1,301 |
| South Colton | $1,250 |
| South Dayton | $1,168 |
| South Fallsburg | $1,283 |
| South Farmingdale | $2,025 |
| South Floral Park | $2,109 |
| South Glens Falls | $1,167 |
| South Hempstead | $2,222 |
| South Hill | $1,137 |
| South Huntington | $2,280 |
| South Jamesport | $2,610 |
| South Kortright | $1,195 |
| South Lima | $1,108 |
| South Lockport | $1,057 |
| South New Berlin | $1,184 |
| South Nyack | $1,257 |
| South Otselic | $1,190 |
| South Ozone Park | $1,947 |
| South Plymouth | $1,179 |
| South Richmond Hill | $1,947 |
| South Salem | $1,380 |
| South Valley Stream | $2,231 |
| South Wales | $1,047 |
| Southampton | $2,975 |
| Southfields | $1,222 |
| Southold | $2,634 |
| Southport | $1,129 |
| Spackenkill | $1,137 |
| Sparkill | $1,258 |
| Sparrow Bush | $1,263 |
| Speculator | $1,308 |
| Spencer | $1,144 |
| Spencerport | $1,031 |
| Spencertown | $1,268 |
| Speonk | $2,910 |
| Sprakers | $1,189 |
| Spring Brook | $1,049 |
| Spring Glen | $1,266 |
| Spring Valley | $1,270 |
| Springfield Center | $1,184 |
| Springfield Gardens | $1,956 |
| Springs | $2,982 |
| Springville | $1,054 |
| Springwater | $1,113 |
| St. Bonaventure | $1,165 |
| St. James | $2,296 |
| Staatsburg | $1,138 |
| Stafford | $1,127 |
| Stamford | $1,217 |
| Stanfordville | $1,159 |
| Stanley | $1,125 |
| Star Lake | $1,254 |
| Staten Island | $1,700 |
| Steamburg | $1,185 |
| Stella Niagara | $1,053 |
| Stephentown | $1,191 |
| Sterling | $1,172 |
| Sterling Forest | $1,231 |
| Stewart Manor | $1,938 |
| Stillwater | $1,195 |
| Stittville | $1,269 |
| Stockton | $1,194 |
| Stone Ridge | $1,231 |
| Stony Brook | $2,304 |
| Stony Brook University | $2,308 |
| Stony Creek | $1,274 |
| Stony Point | $1,268 |
| Stormville | $1,156 |
| Stottville | $1,263 |
| Stow | $1,182 |
| Stratford | $1,275 |
| Strykersville | $1,138 |
| Stuyvesant | $1,246 |
| Stuyvesant Falls | $1,240 |
| Suffern | $1,272 |
| Sugar Loaf | $1,228 |
| Summit | $1,235 |
| Summitville | $1,295 |
| Sunnyside | $1,859 |
| Sunset Bay | $1,158 |
| SUNY Oswego | $1,131 |
| Surprise | $1,267 |
| Swain | $1,170 |
| Swan Lake | $1,284 |
| Sylvan Beach | $1,253 |
| Syosset | $1,855 |
| Syracuse | $1,162 |
| Taberg | $1,285 |
| Tallman | $1,255 |
| Tannersville | $1,268 |
| Tappan | $1,260 |
| Tarrytown | $1,427 |
| Terryville | $2,275 |
| Thendara | $1,277 |
| Theresa | $1,275 |
| Thiells | $1,273 |
| Thomaston | $1,912 |
| Thompson Ridge | $1,247 |
| Thompsonville | $1,284 |
| Thornwood | $1,418 |
| Thousand Island Park | $1,298 |
| Three Mile Bay | $1,288 |
| Ticonderoga | $1,320 |
| Tillson | $1,225 |
| Tioga Center | $1,158 |
| Titusville | $1,141 |
| Tivoli | $1,158 |
| Tomkins Cove | $1,266 |
| Tonawanda | $1,076 |
| Town Line | $1,050 |
| Treadwell | $1,190 |
| Tribes Hill | $1,206 |
| Troupsburg | $1,169 |
| Trout Creek | $1,205 |
| Troy | $1,184 |
| Trumansburg | $1,158 |
| Truxton | $1,164 |
| Tuckahoe | $2,205 |
| Tully | $1,091 |
| Tunnel | $1,172 |
| Tupper Lake | $1,327 |
| Turin | $1,273 |
| Tuxedo Park | $1,228 |
| Ulster Park | $1,225 |
| Unadilla | $1,196 |
| Union Hill | $1,116 |
| Union Springs | $1,168 |
| Uniondale | $2,200 |
| Unionville | $1,240 |
| University at Buffalo | $1,050 |
| University Gardens | $1,910 |
| Upper Brookville | $1,841 |
| Upper Jay | $1,330 |
| Upper Nyack | $1,257 |
| Upton | $2,585 |
| Utica | $1,265 |
| Vails Gate | $1,228 |
| Valatie | $1,251 |
| Valhalla | $1,436 |
| Valley Cottage | $1,264 |
| Valley Falls | $1,198 |
| Valley Stream | $2,233 |
| Van Buren Point | $1,160 |
| Van Etten | $1,139 |
| Van Hornesville | $1,276 |
| Varysburg | $1,138 |
| Verbank | $1,151 |
| Vermontville | $1,336 |
| Vernon | $1,260 |
| Vernon Center | $1,251 |
| Verona | $1,273 |
| Verona Beach | $1,261 |
| Verplanck | $1,346 |
| Versailles | $1,161 |
| Vestal | $1,147 |
| Victor | $1,048 |
| Victory | $1,170 |
| Victory Mills | $1,189 |
| Village Green | $1,063 |
| Village of the Branch | $2,286 |
| Viola | $1,268 |
| Voorheesville | $1,131 |
| Waccabuc | $1,352 |
| Waddington | $1,248 |
| Wading River | $2,386 |
| Wainscott | $2,999 |
| Walden | $1,224 |
| Wales Center | $1,058 |
| Walker Valley | $1,240 |
| Wallkill | $1,226 |
| Walton | $1,200 |
| Walton Park | $1,226 |
| Walworth | $1,094 |
| Wampsville | $1,114 |
| Wanakah | $1,058 |
| Wanakena | $1,286 |
| Wantagh | $2,256 |
| Wappingers Falls | $1,150 |
| Warners | $1,081 |
| Warnerville | $1,254 |
| Warrensburg | $1,286 |
| Warsaw | $1,156 |
| Warwick | $1,225 |
| Washington Heights | $1,229 |
| Washington Mills | $1,282 |
| Washingtonville | $1,223 |
| Wassaic | $1,151 |
| Water Mill | $2,972 |
| Waterford | $1,184 |
| Waterloo | $1,170 |
| Waterport | $1,110 |
| Watertown | $1,267 |
| Waterville | $1,233 |
| Watervliet | $1,133 |
| Watkins Glen | $1,155 |
| Waverly | $1,160 |
| Wawarsing | $1,248 |
| Wayland | $1,153 |
| Webster | $1,029 |
| Weedsport | $1,158 |
| Wellesley Island | $1,277 |
| Wells | $1,301 |
| Wells Bridge | $1,207 |
| Wellsburg | $1,132 |
| Wellsville | $1,166 |
| Wesley Hills | $1,275 |
| West Babylon | $2,722 |
| West Bay Shore | $2,737 |
| West Bloomfield | $1,079 |
| West Burlington | $1,182 |
| West Camp | $1,225 |
| West Carthage | $1,270 |
| West Chazy | $1,310 |
| West Clarksville | $1,166 |
| West Coxsackie | $1,252 |
| West Davenport | $1,189 |
| West Eaton | $1,135 |
| West Edmeston | $1,088 |
| West Elmira | $1,127 |
| West End | $1,186 |
| West Falls | $1,049 |
| West Fulton | $1,240 |
| West Glens Falls | $1,269 |
| West Harrison | $1,441 |
| West Haverstraw | $1,268 |
| West Hempstead | $2,188 |
| West Henrietta | $1,008 |
| West Hills | $2,278 |
| West Hurley | $1,229 |
| West Islip | $2,729 |
| West Kill | $1,279 |
| West Lebanon | $1,255 |
| West Leyden | $1,295 |
| West Monroe | $1,125 |
| West Nyack | $1,263 |
| West Oneonta | $1,180 |
| West Park | $1,242 |
| West Point | $1,216 |
| West Sand Lake | $1,173 |
| West Sayville | $2,764 |
| West Seneca | $1,076 |
| West Shokan | $1,229 |
| West Stockholm | $1,276 |
| West Valley | $1,146 |
| West Winfield | $1,218 |
| Westbrookville | $1,277 |
| Westbury | $1,918 |
| Westdale | $1,294 |
| Westerlo | $1,138 |
| Westernville | $1,281 |
| Westfield | $1,193 |
| Westford | $1,186 |
| Westhampton | $2,913 |
| Westhampton Beach | $2,908 |
| Westmere | $1,147 |
| Westmoreland | $1,255 |
| Weston Mills | $1,167 |
| Westport | $1,318 |
| Westtown | $1,226 |
| Westvale | $1,086 |
| Wevertown | $1,307 |
| Wheatley Heights | $2,501 |
| Whippleville | $1,349 |
| White Lake | $1,296 |
| White Plains | $1,435 |
| White Sulphur Springs | $1,285 |
| Whitehall | $1,310 |
| Whitesboro | $1,250 |
| Whitestone | $1,873 |
| Whitesville | $1,171 |
| Whitney Point | $1,162 |
| Willard | $1,187 |
| Willet | $1,180 |
| Williamson | $1,105 |
| Williamstown | $1,137 |
| Williamsville | $1,043 |
| Williston Park | $1,890 |
| Willow | $1,231 |
| Willsboro | $1,322 |
| Willseyville | $1,144 |
| Wilmington | $1,317 |
| Wilson | $1,067 |
| Windham | $1,276 |
| Windsor | $1,158 |
| Wingdale | $1,153 |
| Winthrop | $1,256 |
| Witherbee | $1,327 |
| Wolcott | $1,142 |
| Woodbourne | $1,288 |
| Woodbury | $1,874 |
| Woodgate | $1,256 |
| Woodhaven | $1,942 |
| Woodhull | $1,167 |
| Woodmere | $2,212 |
| Woodridge | $1,287 |
| Woodsburgh | $2,245 |
| Woodside | $1,863 |
| Woodstock | $1,227 |
| Worcester | $1,186 |
| Wurtsboro | $1,253 |
| Wyandanch | $2,726 |
| Wynantskill | $1,172 |
| Wyoming | $1,157 |
| Yaphank | $2,694 |
| Yonkers | $1,544 |
| Yorktown Heights | $1,373 |
| Yorkville | $1,246 |
| Youngstown | $1,076 |
| Youngsville | $1,286 |
| Yulan | $1,296 |
| Zena | $1,227 |
Home and auto insurance bundling in New York
How can you lower the cost of home insurance in New York? One way is by bundling your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,224 | $1,117 | $107 | 8.74% |
Home insurance discounts in New York
Using the discounts provided by your insurer is another way by which you can buy homeowners insurance in New York. But ensure to check which discounts you qualify for.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | ✓ |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing common features across top companies
Are you trying to buy the best homeowners insurance in NY? Then check whether your insurer offers these features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common causes of home insurance claims in New York
These are a few reasons that lead to home insurance claims in the state
- Vandalism: It means causing intentional damage to property or belongings by humans. Vandalism is more common in large metropolitan areas like New York.
- Natural disasters: The state is prone to disasters like blizzards and hurricanes. These extreme weather events can cause widespread damage to your home and personal belongings.
- Burglary: It is very common in big cities. So suppose you reside in an area with high burglary rates. Then it is best to buy additional coverage, especially if you own costly or luxury items like artwork and jewelry.
Does homeowners insurance cover flooding in New York?
No. A home insurance policy doesn’t cover flood damage under any situation. So, you should buy flood insurance through a private insurer or FEMA’s National Flood Insurance Program. The coverage differs by private insurers, but NFIP provides the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that affect home insurance rates in New York
Do you want to buy cheap home insurance in New York? Then check for these factors before buying one.
- Your location: Factors like your ZIP Code and your area's theft rate can impact the cost of New York home insurance.
- Replacement cost: The rate of homeowners insurance in New York differs depending on local labor and construction material rates.
- Age/condition: Older properties will always cost more to insure than newer ones.
- Claims history: If you often submit claims, insurers consider you a risk. So expect your insurance premiums to increase then.
- Credit history: Most insurers will double-check your credit score before providing home insurance coverage. If you have a poor credit score, your home insurance quotes in New York will be high.
- Dog breed: Most insurers consider some dog breeds 'dangerous.' If your insurer considers your dog's breed so, the price of New York homeowners insurance will increase.
Tips for buying homeowners insurance
Are you looking to find the best homeowners insurance in New York? Then follow these tips!
- Assess your rebuilding costs: Discuss with your insurance agent or a builder to know how much it would cost to reconstruct your house with inexpensive building materials and local labor.
- Review the advantage of replacement cost over actual cash value: You may need to buy replacement cost insurance for your house and other possessions.
- Consider add-on coverage for your expensive items: If you own costly items like high-end electronics, antiques, sporting gear, or musical instruments, you must buy personal property coverage.
- Evaluate your liability coverage needs: Calculate the required minimum liability insurance limit.
- Assess coverage gaps: Many home insurers provide high coverage limits for landscaping elements like trees and bushes.
- Check financial ratings: Most home insurers will receive ratings from firms like AM Best and Standard & Poor's. For instance, some companies won't let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Use all the discounts that your insurer offers.
- Compare quotes from various insurance companies: NY homeowners insurance premiums may vary based on the insurer. So you must compare quotes from all insurers to get the best homeowners insurance in New York.
Most common disasters in New York
Snow, hurricanes, severe storms, and floods are some disasters that New York homeowners face.
Disasters by month
According to FEMA, March has been the busiest month for declared disasters in the state, with 16 disasters since 1953.
| month | Number of disasters |
|---|---|
| January | 5 |
| February | 4 |
| March | 16 |
| April | 6 |
| May | 4 |
| June | 4 |
| July | 11 |
| August | 13 |
| September | 12 |
| October | 13 |
| November | 4 |
| December | 9 |
Disasters by year
According to FEMA, the residents have faced an average of 2.4 declared disasters annually in the last two decades. With six declared disasters, 2011 was the busiest year for the state.
| year | Number of disasters |
|---|---|
| 2001 | 2 |
| 2002 | 2 |
| 2003 | 5 |
| 2004 | 4 |
| 2005 | 2 |
| 2006 | 4 |
| 2007 | 4 |
| 2008 | 1 |
| 2009 | 3 |
| 2010 | 2 |
| 2011 | 6 |
| 2012 | 2 |
| 2013 | 2 |
| 2014 | 2 |
| 2015 | 0 |
| 2016 | 0 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 1 |
| 2020 | 3 |
How to get New York home insurance with Way.com
The average home insurance cost in New York is around $1,224 yearly. The rate is lower than the national average rate. However, you can still find more affordable NY home insurance. But how’s that possible? That’s where Way.com can help you!
Use our app or website to find quotes from all insurers in the state. Then you must compare these quotes and buy a home insurance policy with the cheapest rate. Do you need extra help? Then our home insurance agents in the state can help you. They will help you understand the home insurance laws and terms in New York, coverages, and discounts.
So, contact our insurance agents in NY if you want to buy the best homeowners insurance.
FAQs
What is the average cost of homeowners insurance in New York?
The average home insurance cost in New York is around $1,224 yearly.
What types of homeowners insurance coverage are recommended in New York?
A home insurance policy typically covers personal property, dwelling, liability, and additional living expenses. In addition to that, you can also buy coverages for flood, identity theft, and personal property replacement cost.
How much is home insurance in NYC?
On average, homeowners insurance in NYC costs $2,158 yearly.
Is home insurance mandatory in NY?
No, the law doesn’t mandate it. But if you want a loan, your mortgage company will require you to have New York home insurance.
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