Home insurance companies in New York provide financial protection against damages and liabilities related to residential properties. Competing in a diverse market, these firms range from small agencies to larger corporations, offering various products tailored to individual needs, including homeowners, renters, and condo/co-op insurance. The industry is increasingly focusing on digital transformation, promoting online services for claims and policy management. Innovations such as usage-based insurance models and increased emphasis on climate risk assessments are shaping future offerings. With the rise of technology, transparency and customer engagement have become focal points, aiming to enhance clients' insurance experiences.


The companies listed are primarily small to midsize agencies, with a workforce of 1 to 200 employees. They are spread across New York, from urban centers like Brooklyn and Queens to areas like Rocky Point and Kingston. Founded between 1900 and 2018, these firms specialize in home insurance and assorted insurance products including auto and business coverage. A notable trend is their focus on personalized service, which is essential for meeting the unique preferences of their customers.


Continue reading to explore New York's top home insurance companies.


Top 23 Home Insurance Companies in New York


1. The Clausen Agency, Inc.

  • Website: clausenagency.com
  • Ownership type: Private
  • Headquarters: Rocky Point, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1979
  • Headcount: 11-50
  • LinkedIn: the-clausen-agency-inc-

The Clausen Agency, Inc., based in Rocky Point, New York, is an insurance agency that has been serving clients since 1979. With a team of 41 employees, the agency specializes in a variety of insurance products, including home, auto, life, and business insurance. They cater to both individual consumers and businesses, providing customized coverage options to protect against various risks. The agency emphasizes the importance of tailored insurance solutions, recognizing that each homeowner's needs are unique. Their website features a user-friendly interface that allows potential clients to request quotes and access valuable resources, such as an insurance glossary and blog articles. The Clausen Agency is licensed to operate in several states, including New York, New Jersey, Pennsylvania, Connecticut, Vermont, Florida, and California, which broadens their market reach and enhances their credibility in the insurance industry.


2. Avanti Associates, Ltd


Avanti Associates, Ltd, founded in 2006 and based in Armonk, New York, is an insurance agency that specializes in providing a variety of insurance products. Their offerings include homeowners insurance, automobile insurance, and business insurance, catering to both individual consumers and businesses. The agency prides itself on its customer service, aiming to deliver comprehensive insurance solutions that are tailored to the specific needs of its clients. With a team of 11 to 50 employees, Avanti Associates operates with a focus on building strong relationships with clients and carriers alike. They emphasize the importance of understanding the financial risks associated with property damage and liability claims, positioning themselves as knowledgeable partners in risk management. Their commitment to high-quality service and professional guidance is evident in their mission to maintain exceptional relationships within the community and the insurance market.


3. Ten Eyck Group

  • Website: teneyckgroup.com
  • Ownership type: Private
  • Headquarters: Albany, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1905
  • Headcount: 11-50
  • LinkedIn: ten-eyck-group

Ten Eyck Group, based in Albany, New York, is an insurance agency that has been serving clients since 1905. With a team of approximately 23 employees, the agency specializes in a variety of insurance products, including commercial, auto, home, life, and health insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency prides itself on understanding client needs and providing options from multiple insurance providers, ensuring that clients receive the right coverage at competitive prices. Their commitment to customer service is evident in their proactive approach to client communication and support, particularly in light of recent market changes affecting local insurance providers. Ten Eyck Group also emphasizes community involvement, reflecting their dedication to making a positive impact in the areas they serve.


4. Dcap Insurance

  • Website: dcapinsurance.com
  • Ownership type: Private
  • Headquarters: Queens, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1982
  • Headcount: 11-50
  • LinkedIn: dcap-insurance

DCAP Insurance, founded in 1982, is a private insurance agency based in Queens, New York. With a workforce of approximately 37 employees, the company specializes in a wide array of insurance products, including auto, home, commercial, and life insurance. Over its four decades of operation, DCAP has built a reputation for providing tailored insurance solutions to both individuals and businesses. Their home insurance offerings include homeowners, renters, and condo/co-op insurance, designed to protect clients' properties against various risks. The company prides itself on delivering excellent customer service and competitive rates, making it a trusted choice for many New Yorkers. DCAP Insurance operates multiple locations across New York, ensuring accessibility for clients in the five boroughs and beyond.


5. Brighton-Pittsford Agency, Inc.


Brighton-Pittsford Agency, Inc. is a privately owned insurance agency based in Pittsford, New York, with a history dating back to 1953. The agency specializes in a variety of insurance products, including home, auto, business, and life insurance. As an independent agency, Brighton-Pittsford Agency is not tied to a single insurance provider, which allows them to offer clients a range of options tailored to their specific needs. They have built strong relationships with over 30 insurance carriers, ensuring competitive pricing and comprehensive coverage for their clients. The agency prides itself on its customer service, aiming to provide thorough guidance and support throughout the insurance process. Their team of experienced professionals is dedicated to helping clients understand their coverage options and manage risks effectively. With a focus on the local community, Brighton-Pittsford Agency has established itself as a trusted advisor for both individuals and businesses in the region.


6. Pinnacle Insurance Agency, Inc


Pinnacle Insurance Agency, Inc. is a private insurance agency based in Rochester, New York, founded in 1963. With a team of 11 to 50 employees, the agency specializes in a wide array of insurance products, including auto, home, business, and health insurance. They cater to both individual consumers and businesses, focusing on risk management and asset protection through customized insurance solutions. Their website highlights a user-friendly approach to obtaining quotes, particularly for homeowners insurance, which reflects their active involvement in the home insurance sector. Pinnacle Insurance Agency's long history and local expertise position them as a relevant player in the insurance industry, particularly for those seeking home insurance in their area.


7. Gerelli Insurance Agency, Inc.


Gerelli Insurance Agency, Inc. is a family-owned insurance agency based in Cold Spring, New York, established in 1984. The agency specializes in a wide array of insurance products, including auto, home, business, and specialty insurance services. With a dedicated team of around 20 employees, Gerelli Insurance aims to provide personalized insurance solutions to both individual consumers and businesses. They are licensed to operate in New York, New Jersey, Connecticut, and Pennsylvania, allowing them to serve a broad client base in the Tri-state area. The agency prides itself on its commitment to customer service, often going above and beyond to ensure clients understand their coverage options and receive timely assistance. Their focus on home insurance, along with positive customer feedback, highlights their role in the insurance industry as a reliable provider of home insurance solutions.


8. Cotgreave Insurance Agency

  • Website: get-insured.com
  • Ownership type: Private
  • Headquarters: Ronkonkoma, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1978
  • Headcount: 11-50
  • LinkedIn: cotgreave-insurance-agency

Cotgreave Insurance Agency, Inc., established in 1978, is a private insurance agency located in Ronkonkoma, New York. With a workforce of 11 to 50 employees, the agency specializes in a variety of insurance services, including home, auto, business, life, and group benefits. They cater to both individual consumers and businesses, helping clients manage financial risks through tailored insurance solutions. The agency prides itself on superior customer service and individualized attention, which has been a cornerstone of their operations for over 30 years. Cotgreave Insurance Agency operates as an independent agency, representing multiple insurance carriers, which allows them to offer competitive insurance options. Their extensive experience in the tri-state area has enabled them to build a strong network and a loyal client base, further solidifying their position in the insurance industry.


9. The Reis Group

  • Website: reisinsurance.com
  • Ownership type: Corporate
  • Headquarters: Kingston, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $278.0M, August 2018
  • Founded year: 2009
  • Headcount: 51-200
  • LinkedIn: the-reis-group

The Reis Group is an independent insurance agency based in Kingston, New York, with additional offices in Saugerties, Goshen, and Latham. Founded in 2009, the agency specializes in providing a wide array of insurance products, including home, auto, business, and life insurance. They cater to both individual consumers and businesses, focusing on delivering tailored and affordable coverage options. The Reis Group prides itself on its local expertise in the Hudson Valley region, which allows them to understand the unique needs of their clients. Their approach emphasizes personalized service, ensuring that customers receive the right combination of coverage at competitive rates. The agency has also engaged in risk management services, showcasing their commitment to comprehensive client support. With a team of knowledgeable professionals, The Reis Group stays updated on industry developments to better serve their clients' insurance needs.


10. Regency Agency

  • Website: regencyagency.com
  • Ownership type: Private
  • Headquarters: Brooklyn, New York, United States (USA)
  • Founded year: 1979
  • Headcount: 11-50
  • LinkedIn: regency-agency

Regency Agency Inc. is a private insurance agency based in Brooklyn, New York, with a history dating back to 1979. Founded by Anthony Aquilino, the agency specializes in a variety of insurance products, including auto, home, business, life, and flood insurance. Serving individual consumers and businesses, Regency Agency aims to provide tailored coverage solutions that protect assets and manage risks. The agency operates primarily in the Greater New York area, New Jersey, and Florida, and has established itself as a trusted partner for thousands of clients. Their commitment to customer service is evident in their approach, which emphasizes personalized attention and comprehensive policy reviews. Regency Agency is also actively engaged in the insurance community, being a member of several professional associations, which helps them stay informed about industry changes and regulations.


11. Garber Atlas Fries & Associates, Inc.


Garber Atlas Fries & Associates, Inc. is an independent insurance agency based in Oceanside, New York, founded in 1968. The agency specializes in a wide array of insurance products, including home, auto, business, and health insurance. With a team of experienced professionals, the company focuses on providing tailored insurance solutions to meet the needs of both individual consumers and businesses. Over the years, GAF has expanded its operations through strategic acquisitions, enhancing its market presence and expertise. The agency prides itself on its commitment to customer service, as reflected in numerous positive client testimonials. GAF's leadership team includes industry veterans with recognized credentials, ensuring a high level of professionalism and knowledge in the insurance field.


12. C.H. Edwards, Inc.

  • Website: chedwards.net
  • Ownership type: Private
  • Headquarters: Wading River, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1925
  • Headcount: 1-10
  • LinkedIn: c.h.-edwards-inc.

C.H. Edwards, Inc. is an insurance agency based in Wading River, New York, with a history dating back to 1925. The company specializes in providing a wide array of insurance solutions tailored for individuals, families, and businesses. Their offerings include personal insurance products such as auto and home insurance, alongside various business insurance services. The agency prides itself on its knowledgeable staff, who assist clients in managing risks and protecting their assets through customized insurance policies. C.H. Edwards, Inc. has built a reputation for exceptional service and client commitment, which is reflected in their numerous positive testimonials. They represent multiple top-rated insurance carriers, allowing them to compare rates and coverages effectively. This capability positions them well to meet the unique needs of their clients in New York.


13. Interboro Insurance Company

  • Website: interboroinsurance.com
  • Ownership type: Corporate
  • Headquarters: Jericho, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: May 2024
  • Founded year: 1914
  • Headcount: 51-200
  • LinkedIn: interboro-insurance-company

Interboro Insurance Company, established in 1914, is the oldest insurance company based on Long Island. Specializing in homeowners insurance, Interboro provides a range of products designed to protect homeowners' investments. The company is licensed to operate in New York, Alabama, Louisiana, the District of Columbia, and South Carolina, although its primary focus remains on the New York market. Interboro collaborates with a network of over 500 independent brokers, ensuring that their policies reach a broad audience. Their offerings include comprehensive homeowners insurance policies, tenant policies, and coverage for condominiums and cooperatives. Interboro is committed to maintaining strong relationships with brokers and delivering quality service to policyholders. Their claims philosophy emphasizes fair treatment and prompt processing, which is crucial in the insurance industry. The company has not reported any recent funding, indicating stability and self-sufficiency in its operations.


14. Utica National Insurance Group

  • Website: uticanational.com
  • Ownership type: Private
  • Headquarters: New Hartford, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1914
  • Headcount: 1001-5000
  • LinkedIn: uticanational

Utica National Insurance Group, founded in 1914 and based in New Hartford, New York, is a private insurance company that provides a wide array of personal and commercial insurance products. Their offerings include auto, homeowners, and business insurance, catering to both individual consumers and businesses. The company emphasizes risk management and asset protection, which are critical for homeowners seeking reliable insurance solutions. Utica National is dedicated to customer service, providing resources and support for policyholders, including a 24/7 claims assistance service. Their proactive approach to safety and risk management, along with their extensive experience in the industry, positions them as a relevant player in the home insurance market.


15. Insurance Associates Marketplace Agency, Inc.


Insurance Associates Marketplace Agency, Inc. is a family-owned insurance agency based in Kenmore, New York, with a history dating back to 1960. Founded by Arthur Kleiner, the agency has evolved through generations, with a focus on providing a range of insurance services, including home, business, life, and auto insurance. The agency prides itself on its personalized approach, working closely with clients to understand their unique needs and find the right coverage at competitive prices. With a team of dedicated professionals, Insurance Associates Marketplace has built a reputation for reliability and local expertise, serving individuals and businesses throughout Western New York. Their commitment to customer service and community involvement has allowed them to maintain a strong presence in the insurance industry for over five decades.


16. Northern Insuring Agency, Inc.

  • Website: northerninsuring.com
  • Ownership type: Private
  • Headquarters: Plattsburgh, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1930
  • Headcount: 11-50
  • LinkedIn: northern-insuring

Northern Insuring Agency, Inc. is an independent insurance agency based in Plattsburgh, New York, with additional offices in Potsdam and Glens Falls. Founded in 1930, the agency has built a reputation for providing a wide array of insurance products, including home, auto, health, and business insurance. With a team of experienced professionals, Northern Insuring emphasizes personalized service, working closely with clients to develop tailored insurance plans that effectively manage risks and protect assets. The agency partners with over 40 reputable insurance carriers, ensuring a broad selection of options for their clients. Their commitment to integrity and community service has solidified their position as the largest locally-owned insurance agency in the Northern New York Region, making them a significant player in the local insurance market.


17. E.C. Cooper Inc.

  • Website: eccooper.com
  • Ownership type: Private
  • Headquarters: Watkins Glen, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1909
  • Headcount: 1-10
  • LinkedIn: e.c.-cooper-inc.

E.C. Cooper Inc. is an independent insurance agency based in Watkins Glen, New York, with a history spanning over a century. Founded in 1909, the agency specializes in a range of personal and business insurance products, including home, auto, and commercial insurance. Their team of experienced agents collaborates with more than fifteen reputable insurance carriers to find the best coverage options for their clients. E.C. Cooper Inc. prides itself on its local roots and community involvement, emphasizing personalized service and client advocacy throughout the insurance process. The agency's commitment to understanding individual client needs and providing tailored insurance solutions has established it as a trusted resource in the Watkins Glen area.


18. AAA New York Inc.


AAA New York Inc. is a private company based in New York, established in 1900. It operates under the umbrella of the American Automobile Association (AAA), primarily known for its roadside assistance services. The company provides a range of products, including auto insurance, home insurance, life insurance, and home security services. AAA New York Inc. caters to consumers seeking reliable support in emergencies and asset protection. Its membership model enhances customer engagement, offering various benefits that extend beyond insurance, such as travel planning and discounts on services. The company employs around 53 individuals, indicating a small but focused operational structure. While it has a long-standing presence in the industry, its broad service offerings may overshadow its home insurance capabilities, making it less prominent in that specific market segment.


19. Tanner Insurance Agency Inc

  • Website: tiains.com
  • Ownership type: Private
  • Headquarters: Madison, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1984
  • Headcount: 11-50
  • LinkedIn: tanner-insurance-agency-inc

Tanner Insurance Agency Inc, established in 1984, is a privately owned insurance agency based in Madison, New York. With a team of approximately 15 employees, the agency specializes in providing a variety of insurance products, including home, auto, business, and farm insurance. Tanner Insurance Agency prides itself on being an independent agency, which allows them to shop around for the best insurance solutions from multiple carriers. This independence is crucial in offering clients tailored coverage options that meet their specific needs. Over the years, Tanner Insurance has expanded its operations, opening multiple locations in New York, which reflects its growth and commitment to serving both individual consumers and businesses. The agency emphasizes proactive service and in-depth knowledge of the insurance industry, ensuring that clients receive comprehensive support in managing their insurance needs.


20. The Alliance Group of Western NY


The Alliance Group of Western NY, founded in 1993, is an insurance agency based in Fairport, New York. With a small team of around 15 employees, they focus on providing personalized insurance solutions to individuals, families, and businesses in the greater Rochester area. Their offerings include a wide array of insurance products, prominently featuring homeowners insurance, which protects clients' homes and personal belongings. The agency prides itself on its consultative approach, ensuring that clients receive tailored advice and support throughout the insurance process. They also provide assistance with claims, helping clients navigate the complexities of insurance coverage. The Alliance Group is affiliated with multiple world-class insurance carriers, enhancing their ability to offer competitive pricing and comprehensive coverage options. Their commitment to customer service and local expertise makes them a notable player in the home insurance market, particularly for those seeking personalized attention.


21. Fingar Insurance


Fingar Insurance is an insurance agency based in Hudson, New York, with a history dating back to 1931. As a family-owned business, it prides itself on providing personalized service to both individual consumers and businesses. The agency offers a wide array of insurance products, including homeowner's insurance, second home insurance, condo insurance, landlord insurance, and renters insurance, among others. Fingar Insurance emphasizes the importance of understanding the unique needs of its clients, which allows them to recommend tailored coverage solutions. Their commitment to community involvement is evident through various donations and support for local initiatives, reinforcing their dedication to the Hudson Valley region. With a team of experienced agents, Fingar Insurance aims to deliver exceptional service and sound insurance counseling to its clients.


22. Lupton & Luce Insurance

  • Website: luptonandluce.com
  • Ownership type: Private
  • Headquarters: Riverhead, New York, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1939
  • Headcount: 11-50
  • LinkedIn: lupton-%26-luce-inc

Lupton & Luce Insurance, based in Riverhead, New York, has been serving the insurance needs of the Long Island community since 1939. This privately owned agency specializes in a wide array of personal and commercial insurance products, with a strong emphasis on home insurance. Their offerings include homeowners insurance, renters insurance, and various liability coverages, all designed to protect individuals and families from potential risks. The agency prides itself on its independent status, allowing them to work closely with clients to customize insurance solutions that meet specific needs. With a dedicated team of 17 employees, Lupton & Luce Insurance is committed to providing exceptional service and support to their clients, ensuring they have the right coverage to safeguard their assets. Their long history in the industry and focus on local community involvement further solidify their position as a trusted insurance provider.


23. Moses Insurance Group


Moses Insurance Group, based in Williamsville, New York, is a family-owned insurance agency that has been serving the Western New York community since 1955. Founded by Charles "Herky" Moses, the agency has evolved into a trusted provider of various insurance products, including auto, home, life, and commercial insurance. With a dedicated team of 19 employees, Moses Insurance Group prides itself on offering personalized service tailored to the unique needs of its clients. The agency has built its reputation on strong client relationships and community involvement, ensuring that customers receive attentive and knowledgeable support. They represent over 20 insurance companies, allowing them to find the best coverage options and rates for their clients. Their focus on home insurance includes specialized offerings such as high-value home insurance, addressing the needs of homeowners with significant property investments. This commitment to service and expertise positions Moses Insurance Group as a relevant player in the home insurance market.



Home Insurance Insights: Key Companies in New York


CompanyHeadquarterSizeFoundedOwnership
The Clausen Agency, Inc.Rocky Point, New York, United States (USA)11-501979Private
Avanti Associates, LtdArmonk, New York, United States (USA)11-502006Corporate
Ten Eyck GroupAlbany, New York, United States (USA)11-501905Private
Dcap InsuranceQueens, New York, United States (USA)11-501982Private
Brighton-Pittsford Agency, Inc.Pittsford, New York, United States (USA)11-501953Private
Pinnacle Insurance Agency, IncRochester, New York, United States (USA)11-501963Private
Gerelli Insurance Agency, Inc.Cold Spring, New York, United States (USA)11-501984Family Owned
Cotgreave Insurance AgencyRonkonkoma, New York, United States (USA)11-501978Private
The Reis GroupKingston, New York, United States (USA)51-2002009Corporate
Regency AgencyBrooklyn, New York, United States (USA)11-501979Private
Garber Atlas Fries & Associates, Inc.Oceanside, New York, United States (USA)11-501968Family Owned
C.H. Edwards, Inc.Wading River, New York, United States (USA)1-101925Private
Interboro Insurance CompanyJericho, New York, United States (USA)51-2001914Corporate
Utica National Insurance GroupNew Hartford, New York, United States (USA)1001-50001914Private
Insurance Associates Marketplace Agency, Inc.Kenmore, New York, United States (USA)1-101960Family Owned
Northern Insuring Agency, Inc.Plattsburgh, New York, United States (USA)11-501930Private
E.C. Cooper Inc.Watkins Glen, New York, United States (USA)1-101909Private
AAA New York Inc.New York, New York, United States (USA)1-101900Private
Tanner Insurance Agency IncMadison, New York, United States (USA)11-501984Private
The Alliance Group of Western NYFairport, New York, United States (USA)1-101993Private
Fingar InsuranceHudson, New York, United States (USA)11-501931Family Owned
Lupton & Luce InsuranceRiverhead, New York, United States (USA)11-501939Private
Moses Insurance GroupWilliamsville, New York, United States (USA)11-501955Family Owned


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