6 carriers raised New York homeowners rates by up to 9.7% in 2026 — you may be overpaying. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
Carriers that raised New York home rates in 2026
| Carrier | Change | Effective | Source |
|---|---|---|---|
| NYCM New York Central Mutual (2026 Legacy book) | +4.61% | — | NY DFS SERFF filing NYCM-134688761 |
| USAA USAA + USAA General Indemnity (filing-level) | +5.6% | Aug 18, 2025 | NY DFS SERFF filing USAA-134245824 |
| Preferred Mutual Preferred Mutual Insurance Company | +4.5% | Oct 1, 2025 | NY DFS SERFF filing PMUT-134534049 |
| The Hartford Hartford/Twin City entities (NY Home Advantage) | +1.7% | Apr 2, 2026 | NY DFS SERFF filing HART-134575506 |
| US Coastal US Coastal Insurance Company | +2.8% | Jun 20, 2026 | NY DFS SERFF filing CCGI-134677812 |
| Liberty Mutual Safeco Insurance Cos. | +9.7% | Jun 25, 2026 | NY DFS SERFF filing LBPM-134516900 |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.