Home Insurance in New York

From high-rise condos in the city to colonial homes in the Hudson Valley, New York homeowners face a diverse set of risks. At F&T Insurance Agency, we provide tailored New York home insurance for families and individuals across the state—from Brooklyn to Buffalo—with a clear focus on value, clarity, and real support.

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Protection for Every Property Type

Home Insurance That Understands New York

We know that no two New York homes—or neighborhoods—are the same. Whether you live in the suburbs of Westchester or a brownstone in Queens, we help you compare policies and find the best NY home insurance for your lifestyle, location, and long-term plans.

Storm Damage

Snow in Syracuse. Hail in Albany. Coastal storms on Long Island. We offer home insurance designed to protect your structure and peace of mind.

Fire & Theft

In cities, towns, and rural areas alike, we cover your home and personal belongings against fire, burglary, and vandalism with reliable homeowners insurance NY residents trust.

Liability Protection

Injury claims can happen anywhere. Our New York home insurance includes liability coverage to protect your finances if someone is injured on your property.

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Questions We Hear in NY

  • What does a standard New York home insurance policy include?

    Most include structure, personal belongings, liability, and additional living expenses if your home becomes uninhabitable due to a covered event.

  • Is home insurance legally required in NY?

    It’s not required by law unless you have a mortgage—but it’s one of the most important protections you can have as a homeowner.

  • Does New York home insurance cover flood damage?

    No. We can help you secure separate flood coverage—especially if you live near Lake Ontario, the Hudson River, or other flood-prone zones.

  • Can I bundle coverage for better value?

    Yes. We help clients bundle home and auto policies to unlock savings and streamline their protection.

  • How do I find the best NY home insurance?

    We compare top-rated carriers and coverage options to match your needs and budget—without overcomplicating the process.

Your New York Insurance Partner

Let’s Protect Your New York Home

At F&T Insurance Agency, we understand New York’s unique neighborhoods, weather, and housing challenges. Whether you need answers, advice, or help with a claim, we’re here for you—with real people, real guidance, and real care.

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