New York Homeowners Insurance

Your home is major investment in your lifestyle and future. With a Farmers® home policy, you have the freedom to create a policy that reflects how you live and what matters most you.

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Home Insurance Coverage Options in New York

  • Declining Deductibles® —Earn $50 toward your deductible each year.
  • Claims Free Discount® —Receive a discount if you’ve been claim-free for three years.
  • Claim Forgiveness —Your premium won’t increase due to a claim if you’re been claim-free with Farmers for five years.
  • Cosmetic Damage Coverage —File a claim for functional damage, and we’ll cover related cosmetic damage as well.

Things typically covered by New York home insurance:

  • Fire
  • Vandalism and theft
  • Windstorms and hail 
  • Lightning strikes 
  • Explosion
  • Falling objects
  • Damage caused by weight of snow or ice

New York home insurance discounts

We offer a variety of discounts for our home insurance customers based in New York. For example:

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Protective devices

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See a list of potential auto insurance discounts. Not all listed discounts are available in New York.

View more coverage options in New York

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Auto insurance

Find out minimum state requirements for auto insurance in New York, available discounts and more.

View car insurance details and discounts for New York

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