Homeowners Insurance in New York
John Lepore Agency offers outstanding home insurance rates for homeowners in Rockland and Putnam Counties. A standard New York homeowners policy is a package that typically includes property, liability, theft, and medical payments coverage. Flood is excluded and takes a separate policy. Call 855-945-1900 or send your current policy for a rate.
Types of home insurance policies in New York
| Policy | What it generally covers |
|---|---|
| Basic (HO-1) | Your home and contents against listed perils, such as fire, windstorm, theft, and vandalism. Very few insurers sell this type. |
| Broad Form (HO-2) | The basic perils, plus others such as falling objects, the weight of ice and snow, and frozen plumbing. |
| Special Form (HO-3) | The most widely used policy. It covers your home for all risks of physical loss except those excluded, such as flood and earthquake. A mortgage lender may require it. |
| Comprehensive (HO-5) | The same protection for your home as Special Form, and your possessions are also typically covered for all risks except those excluded. |
| Market Value | A modified Basic policy, generally used when replacement value exceeds market value, as with some older homes. |
What can lower your home insurance rate in New York?
New York's Department of Financial Services lists these. Insurers vary, so ask us which apply to you.
New York home insurance questions
Does home insurance cover flood?
No. Flood is excluded from standard homeowners policies, so it takes a separate policy.
Which home insurance policy is most common in New York?
The Special Form policy, also called HO-3, is the most widely used in New York.
Can a home improvement lower my rate?
It can. New York's Department of Financial Services says certain renovations, like a new roof, might entitle you to a lower premium.
Can I have my home insurance rate rechecked if my credit improves?
If credit information was used to rate your policy, you can ask your insurer to re-rate it at least every three years. New York only allows that update to decrease your premium.
Do I need to visit an office?
No. You can do everything by phone, text, and upload.
Have your current home insurance policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.