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New York is located in the Northeastern United States. This state is bordered by New Jersey, Pennsylvania, Connecticut, Massachusetts, and Vermont. New York is also known as “The Empire State”. This state is home to one of the most recognizable cities in the United States, New York City. NYC contains 48% of the state’s entire population.


Since the 29th century, NYC has been the largest entry port for legal immigration. Immigration has helped shape this city. An estimated 1 in 38 people in the US lives in NYC. New York also has the largest number of Chinese residents than any city outside of Asia. It is also home to the biggest Puerto Rican population in the entire world.


What is the cheapest homeowners insurance NY residents can purchase? The cheapest home insurance in NY is located in the northwestern and southwestern part of the state. Here you can expect to pay 32% less than other residents of the state. The average price you will pay is $549.


Let’s discuss the most expensive homeowners insurance NY residents can buy. If you are a resident living in the eastern region of the state, you are going to pay higher home insurance prices. It is expected that you will pay 49% above the state average. These cities are within close proximity to the coast, which results in higher risk of damage. Home insurance quotes NY citizens collect will be able to help determine the best city rates.


An Overview of NY Cities


New York City

New York City is the most populous city in the entire United States. The estimated population is 8.406 million. It is located in southern New York. NYC is located on one of the world’s largest natural harbors. The city estimates they receive 60 million tourists a year. New York City is also referred to as the most photographed city in the world.



Hempstead is the second most populous town in New York. The most popular beach on the east coast, Jones Beach is located here in Hempstead. Hempstead is Long Island’s 47th largest employer. Home coverage here will cost approximately $1,316.



Brookhaven is the only town in Suffolk County, NY that stretches from the north to south shore. It also provides access points to Long Island Sound and the Great South Bay. Brookhaven consists of nine villages and fifty unincorporated hamlets.



Islip is one of the towns in Suffolk County. The town of Islip has 4,200 acres of land zoned off for industrial use.


Town of Oyster Bay

Oyster Bay has an estimated population of 293,214. It is the easternmost of the three towns in Nassau County. This town is also home to the Seawanhaka Corinthian Yacht Club, the oldest yacht club in the Western Hemisphere.



Buffalo grew in size in the 19th and 20 centuries, because of the Erie Canal. The Erie Canal provided more than enough fresh water and a trade route. Buffalo was also the first city to have widespread street lamps in 1886. On average, home coverage in this city will cost you $1024.


Town of North Hempstead

Town of North Hempstead is located in Nassau County. This area was settled by Europeans around 1643. North Hempstead became well known by the opening of the Long Island Rail Road. This town also provided a steamboat service from Manhattan. Homeowners insurance quotes NY residents compared for the Town of North Hempstead show a cost of $1235.



Rochester is the birthplace to several corporations such as Kodak and Xerox. Rochester is known as one of America’s first booming towns. This city is also known for the “white hot”, a hot dog or bratwurst variant made by the local Zweigle’s company. Coverage for your home in this city will average to $884.



The town of Huntington is 40 miles from Manhattan. Huntington includes five harbors bordering the north shore of the town. This town is also within commuting distance of New York City via the Long Island Rail Road.



Yonkers is a town located along the Hudson River. It is New York’s fourth largest city. Yonkers also serves as a connection between New York City and the Hudson Valley. This city is always growing. Yonkers is known for having the best school systems in the region.  If you are looking into the area, the average premium for home insurance is $1012.



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