Best Long Island Homeowners Insurance Quotes (2025)
Chubb, Travelers, and New York Central Mutual offer some of the best homeowners insurance policies in Long Island.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byKatie Powers
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
The average cost of homeowners insurance in Long Island, New York, is $2,882 per year for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. This is higher than the U.S. national average of $2,584 for the same amount of insurance coverage.
Long Island homeowners face high premiums due to increased risks from coastal storms, wind damage, and flooding. About 34% of properties on the island have a risk of flooding during the next 30 years, making flood insurance a smart and sometimes necessary add-on.[1] Standard policies typically exclude flood damage, so it’s important to understand your specific needs.
Here’s what you need to know about finding home insurance in Long Island.
Quick Facts
Long Island homeowners pay higher average premiums for home insurance than the state annual average of $2,124.
Ocean Harbor Casualty and New York Central Mutual have the lowest average annual home insurance premiums in Long Island, at $996 and $1,238, respectively.
You can earn lower home insurance costs by bundling policies, installing safety and security features, and choosing a higher deductible.
Best home insurance companies in Long Island
Long Island homeowners can choose from several reputable insurance companies that offer various coverage options and discounts. The best home insurance company for you depends on your specific needs. For example, you may need to insure an older home, protect against flood losses, or prioritize in-person customer service.
Below are three top-rated insurance companies and what they offer Long Island residents.
Best company for flood-prone areas: Chubb
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $303/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $457/mo |
Long Island has an extensive shoreline and many homes in or near flood zones. Chubb stands out as a coverage option for Long Island homeowners because of its comprehensive water damage protection and high-value property coverage options.
Unlike many standard insurance companies, Chubb offers optional flood insurance as an add-on to its homeowners policies, and it tailors coverage for high-value properties.
Pros
Top customer satisfaction rating in the J.D. Power 2024 U.S. Home Insurance Study[2]
Flood coverage available as a supplement to homeowners policies
Offers property manager service for vacation homes in hurricane-prone areas
Cons
Higher-than-average premiums — especially for coastal properties
May require higher minimum-coverage limits than some competitors
Fewer discounts than some competitors
Best company for older homes: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 609 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $261/mo |
Some homes on Long Island pre-date the U.S., and many beautiful estates popped up along its coastlines during the Gilded Age. Even if your Long Island home isn’t on any historic register, insuring an older home can bring unique challenges due to outdated electrical systems or hard-to-find building materials.
Travelers is a solid choice for these properties because it offers additional replacement cost coverage, which provides extra coverage to repair or rebuild your home after a claim if the limits on your insurance policy aren’t enough. It also has many independent insurance agents across Long Island.
Pros
Offers additional replacement cost coverage for homes and personal property
Below-average customer complaints according to the National Association of Insurance Commissioners (NAIC) Complaint Index
AM Best financial strength rating of A++ (Superior)
Cons
Fewer discounts than some competitors
Below-average customer satisfaction rating in the J.D. Power 2024 U.S. Home Insurance Study
Doesn’t offer flood insurance — although it may be available through a partner company
Best company for high-risk coastal homes: New York Central Mutual
high-risk coastal homes
New York Central Mutual
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | Not rated |
New York Central Mutual (NYCM) is a regional insurance company with a strong presence in New York, including high-risk areas along the Long Island coast. Its underwriting experience with wind, hail, and water damage makes New York Central Mutual a good coverage option for homeowners in exposed areas like Montauk, Fire Island, Long Beach, and many areas in Suffolk County, New York.
Pros
AM Best financial strength rating of A (Excellent)
24/7 customer service
Unique discounts, like those for remote workers and living in a green-certified building
Cons
Doesn’t offer flood insurance — although it may be available through a partnership with Wright Flood
Limited bundling options
Not available outside of New York
Our editorial team analyzed regional and national home insurance companies that sell policies in Long Island to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Long Island
If price is your top concern, Ocean Harbor Casualty offers the cheapest homeowners insurance policy in Long Island. The company has an average annual insurance premium of just $996 for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
The table below compares average premiums from several insurance companies serving Long Island to help you find the most affordable coverage option.
Insurance Company  | Average Annual Premium |
|---|---|
| Ocean Harbor Casualty | $996 |
| New York Central Mutual | $1,238 |
| Kingstone Insurance Company | $1,724 |
| Merchants Insurance Group | $1,789 |
| Dryden Mutual Insurance Co. | $1,875 |
| Security Mutual | $1,879 |
| Travelers | $1,954 |
| Kensington Insurance Co. | $1,988 |
| Nationwide | $2,234 |
| State Farm | $2,277 |
| Preferred Mutual | $2,377 |
| Pure Companies Group | $2,453 |
| Utica National Insurance Group | $2,471 |
| Allstate | $2,499 |
| Ontario Insurance Company | $2,509 |
| Narragansett Bay Insurance | $2,564 |
| Unitrin | $2,602 |
| National Grange Mutual | $2,683 |
| Palisades Group | $2,858 |
| Sterling Insurance | $2,932 |
| Chubb | $2,973 |
| AIG | $3,049 |
| National General | $3,172 |
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How much is home insurance in Long Island?
Homeowners in Long Island pay an average of $2,840 per year for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. For an insurance policy with a $500 deductible, the average annual cost is $2,924.
Rates can vary widely based on your home’s ZIP code, age, construction type, and proximity to the coast. Other rating factors include your claims and credit histories and whether you choose add-ons like flood or windstorm coverage, which may be necessary in high-risk areas.[3]
Cost of home insurance by dwelling coverage in New York
The more it’d cost to rebuild your home, the more you’ll pay for home insurance. That’s why homeowners with higher dwelling limits typically pay higher premiums. Your coverage limit should reflect your home’s full replacement cost, not its market value.[4]
The table below shows average annual premiums in New York based on different dwelling coverage amounts.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $986 |
| $200,000 | $1,540 |
| $300,000 | $2,124 |
| $400,000 | $2,732 |
| $500,000 | $3,352 |
Cost of homeowners insurance by deductible amount
A deductible is the amount you agree to pay out of pocket before your homeowners insurance policy kicks in to help cover a claim. Choosing a lower deductible means your insurance company takes on more risk, so your insurance premium will be higher.
Opting for a higher deductible can reduce your monthly costs, but you’ll pay more up front if you have to file a claim for damage.
The table below shows the average annual premiums for different deductibles for a policy with $300,000 in dwelling coverage.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $2,175 |
| $1,000 | $2,124 |
Average cost of home insurance in other cities in New York
Home insurance rates can vary between different cities in New York and even between different ZIP codes in the same area. Factors like the risk of coastal flooding, storm exposure, and distance from a fire department can all affect your premiums. Areas with higher crime rates also see higher rates.
Below, you can compare average annual premiums for different cities in the state.
City | Average Annual Premium |
|---|---|
| Albany | $1,474 |
| Bronx | $2,602 |
| Brooklyn | $2,581 |
| Buffalo | $1,285 |
| Corona | $2,314 |
| Ithaca | $1,224 |
| New York City | $3,088 |
| Long Island | $2,840 |
| Rochester | $1,190 |
| Staten Island | $2,118 |
| Yonkers | $1,813 |
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What to know about owning a home in Long Island
Owning a home on Long Island comes with a few unique responsibilities. Consider the following factors when securing home insurance:
Homes with higher-than-average property values
Homeowners with high property values — especially in Nassau and Suffolk counties — will likely need higher dwelling coverage limits to fully protect their investment. Higher levels of coverage increase the cost of insurance.
Coastal risks
Coastal exposure increases the risk of windstorms, hurricanes, and flooding — particularly for homes near the shoreline. While standard homeowners insurance policies typically cover wind damage, they don’t include coverage for flooding. You’ll have to purchase a separate insurance policy, either through the same company that insures your home, an independent insurance agent, another private company, or the National Flood Insurance Program (NFIP) through the federal government.
Homes with older infrastructure
Long Island has several historic neighborhoods. Older homes may have higher home insurance costs due to the high risk of fire, electrical issues, or plumbing failures.
Long Island home insurance FAQs
Many homeowners in Long Island have questions about how home insurance works and what it costs. Below are answers to some common questions to help you make informed decisions about your insurance coverage.
The average annual cost of homeowners insurance in Long Island is $2,840 for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But your costs may be higher if you need flood insurance, extended water damage coverage, or other necessary coverage endorsements in coastal or high-value areas.
Ocean Harbor Casualty offers the lowest average annual premiums in the state, at just $996 for $300,000 in dwelling coverage. You should always compare quotes, coverages, and discount options from multiple insurance companies before deciding on the right company for your insurance needs.
In New York, the average annual premium for $500,000 in dwelling coverage is $3,352. But your rates may vary depending on your insurance company, ZIP code, deductible, personal property coverage limits, liability coverage limits, and any supplemental coverages you choose.
The 80/20 rule in homeowners insurance indicates you should insure your home for at least 80% of its replacement cost. If you don’t, the insurance company may reduce your claim payout.
To lower your premium, consider increasing your deductible, bundling your home and auto policies, installing home safety and security features, and shopping for coverage regularly to ensure you’re getting the best deal.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- First Street. "Long Island City Flooding Risk."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
- New York State Department of Financial Services. "Understanding What Affects the Cost of Insurance."
- Insurance Information Institute. "How much homeowners insurance do I need?."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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