NYCM | Homeowners Insurance

3.9

Protect your home and peace of mind with reliable coverage tailored to your needs.

Average Premium

All Less

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Pros

Special savings for newly renovated or newly bought homes
24/7 claims support
Optional add-ons for equipment and appliance breakdowns and utility line coverage

Cons

No online quotes available
Home insurance not evaluated by J.D. Power for customer satisfaction
Few digital tools for policy management, particularly lacking digital inventorization of personal belongings

Work from home: If the named insured works at least 20 hours per week from home, the policy may qualify for a 5 percent discount. This discount cannot apply if the retirement discount is already in effect and the insured is self-employed.
Gated community: This discount may be available for homes located within a gated community.
Retirement: Beyond the base eligibility of age 55 and older, NYCM's retirement discount has extra conditions. It only applies if either the named insured or their spouse living in the same residence is not employed full time, occupies the residence at least 10 months of the year, and insures the dwelling for its full value.
Renovation discount: Homes 20 years old or older may qualify if the homeowner recently replaced the roof or main heating system. Homeowners must provide proof of purchase and installation to NYCM. Effective from the installation date, the discount remains on the policy for 20 years.
Protective device discount: If your home is equipped with burglar alarms, fire alarms, automatic sprinklers, generators, or other protective devices, you may be eligible for a premium discount.
Green discount: If your home is certified as green by the U.S. Green Building Council's LEED for Homes rating system or meets the green guidelines set by the National Association of Home Builders, you may qualify for a 5 percent discount.