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.
The filed average is not your rate. A single statewide filing can move different ZIPs by wildly different amounts. Here, the biggest single-territory increase we found was +29.9% (Liberty Mutual, on a +9.7% filed average). Kingstone’s filing was +0% overall yet ranged from +23.7% to -13.6% depending on the ZIP. The “By ZIP” column shows each filing’s range — check your ZIP to see where you land.
Carriers that raised New York home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| NYCM New York Central Mutual (2026 Legacy book) | +4.6% | +14.27% to +0.77% ▲ wide | — | SERFF #NYCM-134688761 ↗ |
| USAA USAA + USAA General Indemnity (filing-level) | +5.6% | +20.1% to +15.6% ▲ wide | Aug 18, 2025 | SERFF #USAA-134245824 ↗ |
| Preferred Mutual Preferred Mutual Insurance Company | +4.5% | +15.1% to +1.1% ▲ wide | Oct 1, 2025 | SERFF #PMUT-134534049 ↗ |
| The Hartford Hartford/Twin City entities (NY Home Advantage) | +1.7% | — | Apr 2, 2026 | SERFF #HART-134575506 ↗ |
| US Coastal US Coastal Insurance Company | +2.8% | +3.7% to +1.6% | Jun 20, 2026 | SERFF #CCGI-134677812 ↗ |
| Liberty Mutual Safeco Insurance Cos. | +9.7% | +29.9% to +0.5% ▲ wide | Jun 25, 2026 | SERFF #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.