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Homeowners & Tenants Insurance: What You Need to Know

Disasters and other unexpected losses can occur at any time. It is important for homeowners and renters to make sure they understand their insurance options.

New Yorkers are fortunate to have a competitive insurance market that offers a wide variety of insurance options.

It is up to you to purchase the policy that best meets your needs. When shopping for insurance, get references and talk with relatives and friends about their insurance experiences. Examine coverage and costs by comparing the offers of more than one insurance agent or broker.

It is also important to review existing insurance policies periodically to make sure they provide adequate coverage.

Our website contains more information about insurance, and provides instructions on how to file a complaint with us, the Department of Financial Services, should you have a dispute with an insurance company, agent or broker you are unable to resolve directly.

Print this comprehensive guide: Homeowners & Tenants Insurance: What You Need to Know (PDF - 23 pages)

This Guide is provided for general informational and educational purposes only and does not constitute legal advice. It is not intended to be all-inclusive. You should not act or rely on any information contained in this Guide without first seeking the advice of an attorney. Further, any hyperlinks contained in this Guide to outside resources on the Internet are provided as informational; the Department does not endorse these sites.

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