As a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Written By Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Lead Editor, Insurance Penny Gusner Insurance Writer and AnalystPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance.
Penny Gusner Insurance Writer and AnalystPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance.
Penny Gusner Insurance Writer and AnalystPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance.
Penny Gusner Insurance Writer and AnalystPenny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance.
| Insurance Writer and Analyst
Updated: Jan 3, 2024, 6:56am
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
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If you’re a homeowner, finding a good price on home insurance is a top priority. Comparison shopping is a great way to find the coverage you need at a reasonable cost. We looked at average rates for large home insurers to help you find the best homeowners insurance in New York.
Comparing home insurance quotes from multiple companies is the best way to find coverage you need at a reasonable cost. The price for the same policy can vary significantly among insurance companies. You won’t know if you’re getting the best deal without shopping around.
But also consider what home insurance companies have to offer beyond affordable prices. The best home insurance policy for you will also provide the types of coverage and discounts that match your particular needs.
Your ability to get cheap home insurance in New York will depend on several factors, including:
A standard home insurance policy is also known as an HO-3. It covers your home for any problem that’s not excluded in the policy. Common exclusions include sinkholes, earthquakes, floods, power failure, wear and tear, and insect and vermin infestations.
Your personal property is covered for specific “perils” in a standard home insurance policy. Tornadoes, explosions, fire, vandalism and theft are examples of the types of problems covered by home insurance.
Before you decide how much home insurance you need, take time to review how the components of a home insurance policy work to protect you.
Here are the main coverage types found in a standard home insurance policy:
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Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others make well-informed decisions.
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