AARP Homeowners Insurance in NY

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New York Homeowners Insurance Savings for AARP Members

From visiting Niagara Falls to seeing a show in the Big Apple, New York has something for everyone. At The Hartford, we’re here to help you enjoy all that this vibrant state has to offer. For 40 years and counting, the AARP^® Homeowners Insurance Program from The Hartford¹ has provided homeowners insurance that protects your home without breaking the bank. That way, you can have peace of mind whether you’re home or out exploring.

With The Hartford, New York homeowners and renters across the state can get the coverage they need to help keep their property and belongings safe. No matter where you live in The Empire State, we’ve got you covered. We’re proud to protect your neighbors all over the state in cities like:

New York City
Albany
New Rochelle
Mount Vernon
Buffalo
Rochester
Syracuse
Yonkers

Cost of Homeowners Insurance in New York

According to 2024 rates, the average cost of home insurance in New York is $1,735 annually, or $145 monthly.³ This is over $500 lower than the national average of $2,285.⁴ However, insurance rates are complex. Home insurance companies look at many different factors when determining price, like location or the value of your home and its construction materials.

Since there is no one-size-fits-all amount when it comes to the cost of homeowners insurance, you may pay more or less than the average in your state. Consider shopping around and comparing different homeowners insurance quotes to make sure you get the coverage you need at a price that fits your budget.

Insurance Discounts for NY Homeowners Insurance

couple protected by homeowners insurance ny

Through the AARP Homeowners Insurance Program from The Hartford, AARP members can save on their New York home insurance by taking advantage of exclusive benefits and home insurance discounts like:

Bundle Home and Auto Insurance: If you bundle your home and auto insurance with The Hartford, you can save over 800.**
Home Security Discount: The Hartford rewards you for making the investment to protect your home. So, if you install devices like burglar alarms, you can qualify for a home security discount.
Fire Protection: If you install certain devices to help protect your home from fire damage, you can get a home insurance discount. This includes fire sprinkler systems and monitored alarms.
Claims-free Discount: The longer you go without any claims, the more you can save on your home insurance policy.

Types of NY Homeowners Insurance Coverage

couple protected by ny homeowners insurance

New York home insurance helps protect your property and belongings from various risks, such as fire, lightning and theft. It helps cover your repair or replacement costs if your home or property gets damaged in a covered loss. Without home insurance coverage, you’d have to pay out of pocket to fix or replace your property.

New York home insurance policies from The Hartford come with standard home insurance coverages, such as:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.²

Additional Coverages for Homeowners Insurance in NY

For even more protection, you can add more coverage options to your New York homeowners insurance policy. The Hartford offers the following types of additional coverage:

New for Old” protection,^‡‡ which helps replace your destroyed belongings with new ones of the same quality.
Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
Disappearing property deductible,^‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics have a mechanical or electrical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.
Valuable items blanket for additional protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.

Common Claims in New York

Living in New York means experiencing all four seasons – from sunny summers to frigid winters. From heavy snow and frozen pipes in Buffalo to thunder and lightning in the Adirondacks, New York homeowners can experience severe weather throughout the year. Whether you’re in the city, suburbs or more rural areas, New York weather can be hard on homes, which is why it’s best to make sure you’re always prepared for the unexpected.

Having a NY home insurance policy can help protect your home from damage caused by weather disasters. However, it’s important to know that flood insurance isn’t included in standard homeowners insurance policies. To get coverage, you’ll have to purchase a separate insurance policy through the National Flood Insurance Program (NFIP).***

Is Homeowners Insurance Mandatory in New York?

No, you are not required to have home insurance in New York by law. However, if you have a mortgage, your lender may require you to have it.

Even if you do not have a loan on your house, it’s important to make sure your home is covered in case the unexpected occurs. From theft to winter storms to hurricanes, the risks to your New York home can be as unpredictable as Times Square itself.

Get a Free Quote for Homeowners Insurance in New York

When it comes to protecting your home and valuables, it’s important to find an insurance company you can rely on. For over 200 years, The Hartford has worked hard to provide great customer service and affordable insurance policies. Get the coverage you need at the right price with the AARP Home Insurance Program from The Hartford. To learn what savings you’re eligible for, get a quote online for homeowners insurance in NY or call The Hartford at 888-422-2345 today.

New York Homeowners Insurance for AARP Members