A home warranty repairs listed appliances and systems; homeowners insurance pays for covered damage and liability. See what each covers, excludes and requires.
Renters insurance covers stolen belongings when theft is a covered cause of loss, often away from home too. See limits, car break-ins, proof and claim steps.
Your lease sets the floor; your belongings and liability exposure set the rest. See how to total your stuff and weigh liability limits and special limits.
Your homeowners dwelling limit follows the cost to rebuild, not market value. See how the 80 percent rule, other limits, lenders and exclusions shape it.
Renters insurance has four parts: belongings, loss of use, liability and medical payments. See what each pays for, what it leaves out and what to ask an agent.
New York homeowners insurance averaged $1,628 for the HO-3 form in NAIC's 2022 report. See what a policy covers, leaves out, and how to compare quotes.
NYC renters insurance covers your belongings, liability and temporary housing, not the building. New York's average tenant premium was $169 in 2022, says NAIC.
A NYC co-op shareholder usually needs an individual HO-6-style policy alongside the building's master policy. See what each covers, and what boards require.
Standard New York homeowners and renters policies generally exclude flood. See who needs a policy, NFIP limits, the 30-day wait, costs, and how to file a claim.
Flood insurance in Maine is a separate policy from most homeowners coverage. Check your flood zone and see what NFIP covers, the 30-day wait and pricing.
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