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  3. New York Home Insurance Coverage


New York Home Insurance

Protect the heart of your home.

New York is unlike any other state around. Learn how a House & Home® policy can help protect you where you live.

State Map

You're looking at coverages in New York. Select a new state to see what may be needed there.



Types of coverage

Take a closer look at what's usually covered by a House & Home policy in New York.

Dwelling coverage
Protects the structure of your house, such as the roof and walls
Personal property coverage
Protects what's inside your home, like furniture, even if it's damaged or stolen outside the house
Other structures
Protects the physical structure of buildings on your property separate from your home, such as a detached garage
Liability protection
Defends and protects you if a person sues you after being injured on your property or after you damage their property
Guest medical protection
Pays medical expenses for someone who's injured on your property
Additional living expenses protection
Covers increased expenses if your home is uninhabitable after a covered loss

Close-up of a person trimming branches in their backyard.

Optional coverage

You might want to add more coverage to your House & Home policy to protect some special items in and around your home. You can add optional coverage, like yard and garden insurance, musical instruments insurance and more.

Learn More

Additional features

Only Allstate offers all three unique features1 that work together to help protect your home while saving you money, regardless of whether or not you have a claim.

Claim RateGuard®

Helps keep your rate from increasing just because you file a home insurance claim2

Claim-Free Rewards

If you don't have a recent claim when you sign up, you'll get a 5% discount plus money back every year you don't file a claim

Deductible RewardsSM

When you sign up, you'll get $100 off your home deductible, plus an additional $100 off each year you don't have a claim—up to $5003

A local Allstate agent can help you learn more about a House & Home policy in New York.
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Get access to home insurance discounts.

Learn about opportunities to save on homeowners insurance in New York.

See discounts

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1Features are optional and a part of the Enhanced Package. Not available in all states. Subject to terms, conditions and availability. Savings will vary.
2This feature applies to one claim every five years.
3Must add Enhanced Packaged within 60 days of policy inception to earn an additional $100 reward at the 1st annual renewal. Max deductible rewards that can be used in event of a claim is $500. Subject to availability. Exclusions apply.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

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