New York Homeowners Insurance

Owning a home is a huge investment of time, money and energy. Without insurance, you, your family, your home, and your money are incredibly vulnerable to a variety of risks that could wipe out your investments and assets.

How home insurance in New York protects you

When your belongings, home, or lifestyle are damaged or destroyed, insurance is meant to help you put your life back together with as little disruption as possible. If your policy covers the incident, then you file a claim and receive funds to repair, replace, or recover what was lost.

What is homeowners insurance?

Homeowners insurance, despite its name, is not limited to people who own their home — to better illustrate this, it’s sometimes referred to as Property Insurance. Anyone who owns property, whether that’s a free-standing home, a condo, or a co-op, or renting an apartment, should have one of these three:

Homeowners’ insurance

Your entire home, inside and out, including other structures on your property, may be protected. Supplemental coverages are recommended for special structures, secondary housing, or high-value personal items.

Condo/co-op insurance

Protections for everything from the “walls in” but not common property depending on your proprietary lease. However, it will protect you if you cause damage to property belonging to other residents, including unintentional injuries.

Renters’ insurance

Renters’ insurance keeps your belongings covered. It can also include liability coverage and off-premises coverage.

What does a homeowners policy cover?

There is a lot that can go wrong in a home, whether caused by internal or external factors. When shopping around for home insurance, you’ll want to make sure your policy comes with the typical homeowners coverages, as well as some additional coverages.

These are the basics of most home insurance policies:

Personal liability

If somebody is injured on your property (including from a pet), you may be responsible for the costs associated with your legal defense and their medical needs. Personal liability coverage can protect against these potential expenses.


Contents insurance protects your possessions against damage, theft, and/or vandalism. Generally, everything in your home could be covered, including clothing, furniture, and hobby items such as books, video games, or other equipment.


Dwelling coverage protects the physical structure of your home, including the walls, roof, and foundation, against covered perils such as fire, windstorm, or vandalism. It can help pay for repairs or rebuilding in case of damage.

Frequently asked questions about homeowners insurance

Here’s how HCP Insurance can get you covered

In 6 simple steps, you can have all the assets you’ve worked hard to acquire fully protected.

  1. Fill out an intake form to give us an idea of your coverage needs
  2. If we have any questions, we’ll follow up
  3. We’ll start researching the best options for your custom policy
  4. Once our research is complete, we’ll share the best options for your individualized needs
  5. You ask our trusted advisors any questions about the policies you may have
  6. Once you make your decision, we’ll get your coverage started immediately

All of these steps can usually be taken care of the same business day you reach out. If it’s outside business hours, we’re going to jump on this as soon as we can. You’ll get an email confirmation right after Step 1 is complete — always.

Protect your most valuable asset

More than a broker, HCP Insurance is a resource and an advocate for your interests. Every individual faces unique risks, so we’ll dig deep and offer suggestions on how to protect what’s important to you.

Get a Quote

Helpful resources:

Visit our blog to see more!