New York Insurance All Your Needs in One Place

No, healthcare and health insurance in New York aren't free. However, the state does offer financial help to certain individuals who need it. Financial aid for health coverage can be found on the NY State of Health Marketplace website and is available for folks who are under age 65, are New York residents, don't have enough insurance already through a job or Medicare, or are a small business with fewer than 100 employees.

Homeowners insurance in New York covers your personal belongings, your home's structure, additional living expenses, and your personal liability. The standard coverages provided in a home insurance policy are:

• Structural coverage: Covers your home's structure or dwelling if it gets damaged or destroyed by vandalism, falling objects, or another covered disaster.
• Personal property coverage: Covers the repair or replacement of your personal belongings or home contents like furniture, clothing, etc., if they get stolen, damaged, or destroyed by a covered peril like a fire.
• Personal liability coverage: Covers lawsuit costs if you get sued by a third party like a neighbor for claims of personal property damage or bodily injury.
• Additional living expenses coverage: Covers costs of a hotel room, takeout meals, extra gas mileage, and more while you have to live away from home if your property gets severely damaged by a covered disaster like a fire.

If you need home insurance in New York, talk to an independent insurance agent.

Car insurance in New York begins with standard coverage found in car insurance policies across the US. These typically include:

• Collision: Protects against physical damage to your car after an accident with another vehicle or object.
• Comprehensive: Protects against threats to your vehicle other than collision, including theft, vandalism, fire damage, certain types of storm damage, windshield breaks, and more. 
• Medical payments: Reimburses the costs of medical treatments to the driver and/or their passengers after an accident.

New York also requires these coverages by state law:

• Bodily injury liability: New York requires all drivers to carry at least $25,000 per person and $50,000 per accident of this insurance, which covers costs of injury treatment to another driver and their passengers after an accident you're at fault for. New York is unique in that it also requires drivers to carry $50,000 in liability for death per person and $100,000 in liability for death per accident.
• Property damage liability: New York requires all drivers to carry at least $10,000 per accident of this insurance, which covers the costs of repairing another person's property or vehicle if you damage it with your own vehicle.
• Uninsured motorist coverage: New York requires all drivers to carry at least $25,000 per person and $50,000 per accident of this insurance, which covers the costs of damage repairs to your vehicle and medical treatments for injuries to you and/or your passengers if you get into an accident with a driver who doesn't carry any or enough coverage of their own.
• Personal injury protection: New York requires all drivers to carry at least $50,000 of this insurance, which covers your own medical bills after an accident, regardless of fault, and also covers accidents if you're not driving, such as if you're a passenger in another vehicle or riding a bike.

An independent insurance agent in New York can help you find a car insurance plan that fits your needs for the right price.

Business insurance in New York helps businesses recover from financial losses after many different covered disasters. The major coverages included in these policies are:

• Commercial vehicle insurance:  Physical damage repairs, vehicle replacement, or legal costs for lawsuits involving company vehicles are covered.
• Commercial property: Repairing, rebuilding, or replacing company property, inventory, etc., is covered if damage or destruction occurs due to a covered disaster like a fire.
• Commercial general liability: Lawsuit costs are covered if a customer or other third party sues the business for claims of personal property damage or bodily injury.
• Workers' comp insurance: Costs are covered for injury treatment, rehabilitation, lost wages, etc., for employees who get injured or ill due to their job or the job environment.

Your New York business insurance policy can be further customized to meet the needs of your unique niche and operations, and an independent insurance agent can help you find the plan for you.

Workers' comp in New York can reimburse the costs of employee injury, illness, or death due to their job or work environment. In exchange, the business is exempt from any related employee lawsuits. In the state of New York, this coverage is required for all businesses with any number of employees, regardless of full or part-time status.

An independent insurance agent can help you find a workers' comp plan that fits the needs of your business.

Restaurant insurance in New York includes a business insurance policy with special coverages tailored to meet the needs of a restaurant. On top of your regular business insurance coverages, you'll likely find these in a restaurant insurance policy:

• Equipment breakdown insurance: Boilers and other large appliances are covered against damage or destruction due to many disasters like fires.
• Spoilage coverage: Food and other spoiled inventory can be replaced with this coverage if the inciting incident is listed in the policy, such as a power outage.

If you need to insure your restaurant in New York, talk to an independent insurance agent to help you find a plan.

Commercial vehicle insurance in New York covers the costs of disasters involving company vehicles or vehicles that are used for business purposes. If a company vehicle gets involved in an accident or lawsuit, commercial vehicle insurance can help reimburse the business for associated costs.

An independent insurance agent in New York can help you find a plan to cover your vehicle or fleet.

Umbrella insurance in New York increases your liability coverage to $1 million or more, depending on your selected policy. This coverage can be added to a number of different existing policies, such as home insurance, boat insurance, or commercial general liability insurance. Umbrella insurance dramatically increases your chances of covering an entire lawsuit's costs.

If you need the additional coverage that umbrella insurance can offer, talk to an independent insurance agent.

Renters insurance in New York offers the same coverages found in homeowners insurance with one key difference: it doesn't cover the dwelling, or exterior structure, of the building you live in. That's because this portion of the property is the landlord's responsibility and is included in their own coverage. But renters insurance does cover your personal belongings, liability, and additional living expenses. 

Renters insurance can offer you a lot of peace of mind, and you can find a plan today through an independent insurance agent.

Life insurance in New York is designed to cover your end-of-life expenses. A death benefit will be paid out to a selected beneficiary after you pass away, and this person can be a spouse, dependent, or charity of your choice. Term life insurance, whole life insurance, and universal life insurance policies are all available in New York.

Talk to a local New York independent insurance agent if you're looking for life insurance.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

An independent insurance agent in New York can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in New York to find you the right coverage at a great price.