Home insurance cost in New York
About $1,710 a year, or $143 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,710
a year
A month
$143
Rank
12 of 51
1 = cheapest; −31% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Massachusetts | $1,645 | 10 |
| Oregon | $1,705 | 11 |
| New York | $1,710 | 12 |
| Pennsylvania | $1,720 | 13 |
| Wyoming | $1,805 | 14 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in New York?
About $1,710 a year, or $143 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in New York expensive?
New York ranks 12 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for New York: monthly budget · take-home pay · rent.