Queens NY Homeowners Insurance
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Common Homeowners Insurance Discounts
New Homes may enjoy discounts up to 14%.
Security Systems such as deadbolt locks, simple alarm systems, and smoke detectors may reap discounts from 1-5%. Sophisticated monitoring services and integrated sprinkler systems may reduce your premiums as much as 20%.
Combined Policies: If you combine your automobile and homeowner policy with the same carrier you may obtain discounts from 5% to 15%.
Carrier Longevity: If you maintain your coverage with the same carrier for a number of years they will usually reward you with a discount.
Retired Homeowner: On average stays home longer and may be rewarded with a 5% discount.
Non-smoker: Some carriers reward non-smokers a 5% discount.
Verified Google Reviews
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We have dealt with the agent, Eric Holle, who answered all our questions and walked us through the application process for a homeowners insurance policy. He did this with patience and personal attention. He was most accommodating and took care of our insurance needs in a very timely manner. Thank you Coastal Homeowners Insurance Company.
Home Insurance Rates Queens NY
NY Homeowner’s Policy
Looking for the most affordable homeowners’ insurance quote in Queens NY? Our team of specialists are here to help you find the best rate. You will receive up to 10 Free Quotes along with our professional recommendation on which company will offer you the best value.
Our process is easy. You pick the coverage and endorsements that are important to you, and we find the company that delivers those coverages at the best price. Fill out the form by clicking the Get a Quote button or give us a call to speak with one of our Queens NY insurance experts.
Homeowners Insurance Basic Coverages
Coverage A: Dwelling
Dwelling coverage covers the cost of rebuilding the house itself using like materials. This coverage also includes any permanent attachments, including central air conditioning equipment, heating and plumbing equipment, and similar attached items.
Coverage B: Other Structures
Fences, pools, gazebos, sheds, and other structures that are not attached to your home are covered by Coverage B, other structures coverage. The value of this coverage is usually set to 10% of the dwelling coverage amount but can be changed to a higher coverage amount if needed.
Coverage C: Personal Property
Personal belongings are described as personal property on your home insurance policy. This coverage would include common household items like televisions, furniture, clothing, and other common belongings. Personal property coverage is usually assigned a value of at least 50% of the dwelling coverage on a homeowners insurance policy, but this coverage amount can often be adjusted.
Many homeowners insurance policies cover personal property on an actual cash value basis. What this means is that if your personal property is lost, damaged, or destroyed in a covered claim, your insurer will pay a depreciated value based on wear and tear due to age. Some insurers provide an option for personal property coverage at replacement cost value, which covers your personal property for the full cost of replacement, typically for a slightly higher premium.
Certain types of items, such as jewelry, firearms, furs, and similar items have limited coverage on a homeowners insurance policy. These items can be added to your policy as an endorsement to insure them to their full value.
Coverage D: Additional Living Expenses
If a covered claim forces you out of your home temporarily while your home is being repaired, additional living expenses are covered by Coverage D. This can include the cost of hotels or of eating out and this coverage is designed to cover the difference between your normal living expenses and the higher temporary expenses you experience due to a claim. Typically, Coverage D is equal to 20% of the coverage amount for Coverage A, dwelling coverage.
Coverage E: Personal Liability
Coverage E, commonly known as personal liability coverage, protects you against lawsuits for bodily injury to others or damage to the property of others due to negligence. Coverage amounts typically start at $100,000, although most policies provide $300,000 of coverage or higher. Personal liability coverage on your home insurance also pays for your legal defense, which can be a sizable expense in itself.
Common risks include dog bites and slip and fall accidents, but accidental damage to the property of others is also covered.
Households with pools or children who have friends who visit your home may wish to consider a higher coverage amount. This coverage is available for all family members in the household.
Coverage F: Medical Payments
Your home insurance policy also provides coverage for small injuries to others that don’t involve a lawsuit. Accidents can happen, but many accidents are minor, only requiring basic medical attention.
All Risk vs. Named Peril
A homeowners insurance policy can be either an all-risk policy or a named peril policy, with the difference between the two being which risks to your home are covered by the policy. As its name suggests, an all-risk policy is more inclusive, providing coverage for almost all risks to your home except for specifically excluded risks.
A named peril homeowners insurance policy only provides coverage for the home that is specifically named as coverage items on your policy. Named peril policies also have specific exclusions to coverage while also excluding any risks that are not specifically named as covered perils.
Covered personal property perils may differ from those covered for the dwelling, depending on the type of policy. The five types of policies for single-family homes are HO-1, HO-2, HO-3, HO-3 with HO-15, and HO-8.
HO-1 Basic Homeowner
A basic homeowners insurance policy, sometimes called an HO-1 policy, provides coverage for fire and lightning, as well as wind and hail damage — but being a basic insurance policy, omits coverage for several other risks to homes. Due to consumer demand for broader coverage, this type of policy is not commonly available from insurers.
HO-2 Broad Basic Homeowner
An HO-2 homeowners insurance policy expands upon the coverage provided by an HO-1 policy by adding some additional perils to the coverage for the dwelling: falling objects, roof collapse due to the weight of ice or snow, building collapse, water damage due to bursting pipes or sudden leaks, frozen pipes, and damage from electrical surges.
HO-3 Special Extended Homeowner
Currently the most popular type of homeowners insurance policy, an HO-3 policy provides all-risk coverage for your dwelling while providing coverage for 18 named perils for your personal property. All of the coverages provided by an HO-2 policy apply to personal property on an HO-3 policy. Covered perils for the dwelling itself are limited only by named exclusions.
HO-3 with HO-15 Comprehensive
This type of policy does not limit coverage for personal property to named perils, instead of covering both your home and personal belongings for all perils except for those specifically excluded from your policy. Depending on the insurer, a similar type of comprehensive coverage may also be available through an HO-5 policy.
HO-8 Modified Homeowner
Coverage for historic homes is often provided through an HO-8 homeowners insurance policy, which provides limited coverage similar to an HO-1 policy but is designed to cover homes that may cost significantly more to rebuild than their market value.
Homeowner Insurance Tips Video
About Queens NY
Queens is the easternmost and largest in the area of the five boroughs of New York City, geographically adjacent to the borough of Brooklyn at the western end of Long Island. Coterminous with Queens County since 1899, the borough of Queens is the second-largest in population (behind Brooklyn), with approximately 2.3 million residents in 2013, approximately 48% of them foreign-born; Queens County is also the second-most populous county in New York State, behind neighboring Kings County, which is coterminous with the borough of Brooklyn. Queens is the fourth-most densely populated county among New York City’s boroughs, as well as in the United States; and if each New York City borough were an independent city, Queens would also be the nation’s fourth most populous city, after Los Angeles, Chicago, and Brooklyn. Queens is the most ethnically diverse urban area in the world.
The differing character in the neighborhoods of Queens is reflected by its diverse housing stock ranging from high-rise apartment buildings, especially prominent in the more densely urban areas of western and central Queens, such as Jackson Heights, Flushing, Astoria, and Long Island City, to large, free-standing single-family homes, common in the eastern part of the borough, in neighborhoods that have a more suburban layout like neighboring Nassau County, such as Little Neck, Douglaston, and Bayside.
Queens has the second-largest and most diversified economy of all the five boroughs of New York City; the borough is home to two of the three major New York City area airports (and both major airports in New York City proper), JFK International Airport and LaGuardia Airport. These airports are among the busiest in the world, causing the airspace above Queens to be the most congested in the country. Attractions in Queens include Flushing Meadows Park—home to the New York Mets baseball team and the US Open tennis tournament—Kaufman Astoria Studios, Silvercup Studios, and Aqueduct Racetrack.
Queens was established in 1683 as one of the original 12 counties of New York and was named for the Portuguese Princess Catherine of Braganza (1638–1705), who was at the time queen of England, Scotland, and Ireland. Queens became a borough of New York City in 1898. From 1683 until 1899, the County of Queens included what is now Nassau County.