New York homeowners insurance cost calculator
Homeowners insurance in New York averages about $1,710 a year ($143/mo) for $400,000 of dwelling coverage — roughly 40% below the US average of $2,852. Renters insurance averages about $125 a year. Estimate your own cost below.
Estimated premium
$1,710/yr
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New York homeowners insurance cost at a glance
- Homeowners (avg/yr, $400,000 dwelling)
- $1,710
- Homeowners (avg/mo)
- $143
- Renters (avg/yr)
- $125
- US average (home/yr)
- $2,852
Frequently asked questions
How much is homeowners insurance in New York?
Homeowners insurance in New York averages about $1,710 a year, or $143 a month, for $400,000 of dwelling coverage. Your premium scales with your home's rebuild cost.
Is home insurance expensive in New York?
New York is below the national average. Homeowners coverage there averages $1,710 a year versus the US average of $2,852 — about 40% below.
How much is renters insurance in New York?
Renters insurance in New York averages about $125 a year for $30,000 of personal-property coverage — typically far cheaper than homeowners insurance.
What affects home insurance cost in New York?
Your home's rebuild cost, age, construction, roof, claims history, deductible and local catastrophe risk all matter. Compare quotes from several carriers and ask about bundling and protective-device discounts.
How this estimate is calculated
Homeowners estimates start from the 2026 average annual New York premium at $400,000 dwelling coverage, scaled to your coverage amount using the national coverage curve. Renters uses 2026 average premiums at $30,000 personal property. Your home's specifics and deductible also affect real quotes.
See our full methodology for assumptions, limits and the 2026 data used.
Sources
- NerdWallet — How Much Is Homeowners Insurance? Average 2026 Rates (2026)
- NAIC / Insurance Information Institute — Facts + Statistics: Homeowners and renters insurance (NAIC Homeowners Report, 2022 data) (2022)
- NerdWallet — The Average Renters Insurance Cost for 2026 (2026)
- NAIC / Insurance Information Institute — Facts + Statistics: Homeowners and renters insurance (NAIC HO-4, 2022 data) (2022)
- Written by
- Colson — Founder & insurance-data researcher, ColsonSuperApps LLC
- Reviewed
- Figures checked against the cited sources
- Last updated
- June 13, 2026
- Standards
- Editorial policy
This is an estimate based on published average-rate data for informational purposes only — not a quote, and not insurance, legal or financial advice. Your actual price depends on the carrier and underwriting. Get a real quote for exact pricing.