Factors That Affect Homeowners Insurance New York

As wind, hail and water from natural disaster pound our homes, now seems a good time to assess the factors that affect our homeowners insurance rates—and our livelihood. Find out which 10 states have the highest home insurance rates and why in New York.

Local Companies

Access Nursing Services
(914) 747-9696
411 Manville Road
Pleasanville, NY
New York Life
(646) 227-8000
420 Lexington Avenue
New York, NY
New York Life Insurance
(347) 563-8969
420 Lexington Avenue
New York, NY
New York Life Insurance and Annuity Co.
(917) 365-1522
420 Lexington Avenue
New York, NY
New York Life Insurance Company
(646) 227-8573
420 Lexington Avenue
New York, NY
NY Life
(646) 227-8314
420 Lexington Avenue
New York, NY
Marquette Building & Consultation Svcs.
(845) 255-8560
149 Forest Glen Road
New Paltz, NY
Ash-N-Oak Home Improvements
(845) 750-5330
19 Hummel Road
New Paltz, NY
Jim Whitney Home Improvements
(845) 255-2773
75 Dug Rd.
New Paltz, NY
M. J. Posner Construction Co., Inc.
(845) 255-7187
161 State Route 208
New Paltz, NY

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Where the Big Bad Wolf Might Get Your Goat
by Penny M. Hagerman

With natural disasters like hurricanes, tornadoes and earthquakes more common than ever these days, you'd think the Big Bad Wolf was having a heyday trying to blow our homes down!

As wind, hail and water continue to pound our abodes, leaving thousands displaced or homeless and insurance companies struggling to cover the damage, now seems a good time to assess the factors that affect our homeowners insurance rates—and our livelihood.

Location and Home Insurance Rates

According to the National Association of Insurance Commissioners (NAIC), it cost an average of $729 to insure a home in the U.S. in 2004, the most recent year for which data is available.

But rates vary greatly from state to state, depending on factors such as the likelihood of claims and even the value of real estate prior to disaster.

Geographic location, risk and variables like building codes and materials used in construction also come into play when it comes to home insurance rates. And for residents living in states where the amount of risk is significantly higher, finding insurance coverage that protects the investment made in their homes can sometimes be challenging. ...

Click here to read the full insurance article from Insureme.

Featured Local Company

Access Nursing Services

(914) 747-9696
411 Manville Road
Pleasanville, NY
http://www.accessnursing.com/

Full range of nursing personnel to serve all environments of care. Private Homes, Hospitals, Nursing Homes, Assisted Living Facilities, Rehab Centers, Schools, MD offices and In Patient Private Duty Assignments

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