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Kings County, NY Homeowners Insurance Quotes

A Kings County home insurance policy can protect your home from major damages due to fires, lightning, hurricanes, high winds, theft, falling objects and even vandalism. This type of coverage is known as a basic or standard New York home insurance policy.

Coastal Kings County Home Insurance

It's also important to know that flood protection is crucial for coastal areas like Kings County that are prone to hurricanes and tropical storms. We recommend you speak with your home insurance agent if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your standard home insurance policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Kings County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Kings County Rates & Savings!

When discussing homeowners insurance coverage within or nearby Kings County, residents are finding great ways to save time and money by getting cheaper premiums when they shop online because you can compare prices and coverages. New York may not be considered the most expensive state in the country to buy home insurance, but it does rank higher than average at a nationwide rank of 16. Homeowners within Kings County, NY are currently paying $1356 for home insurance on average, where the majority of the U.S. homeownership population pays around $1,249. These average home insurance rates reflect the cost of a standard homeowners policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Let us help you shop lower rates with savings up to 40% or more and compare up to 12 competitive quotes for you today! Start a Kings County home insurance quotes request by entering your zip code or Call Us 1-855-976-2656.

For all Kings County, NY residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Kings County? Simply enter your zip code to get your New York homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Kings County, NY Housing Demographics

With 2,504,700 residents living within the Kings County area there are over 1,000,293 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 573,363 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Kings County.

DemographicValues
Total Occupied Households916,856
Family Households (families)573,363
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units1,000,293

Kings County, NY Coastal Wind, Hail & Flood Information

For all homeowners living in Kings County (FIPS: 36047), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of New York is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Kings County, NY, it's important that you look into hurricane and windstorm insurance options.

Kings County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of New York.

Helpful Articles:

Kings County, NY Home Insurance Average Premiums

Local Kings, NY homeowners insurance quotes comparison

$1,131 /yr.

New York's Average Home Insurance Rates Overall

For the state of New York, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 16 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$842 /yr.
Current Average Cost:$1,131 /yr.
Maximum Range:$1357 /yr.

Kings County, NY Coastal Wind, Hail & Flood Information

Kings is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal county of Kings is know for it's beautiful beaches and waterways. Because Kings County (FIPS: 36047) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Kings County.

New York Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

Discounts For Homeowners in Kings County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your New York homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Kings County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Kings County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Kings County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Kings County Housing & Real Estate Data

Details:Statistics
Total Housing Units1000293
Occupied Housing Units916856
Vacant Housing Units83437
Vacant Housing Units for Rent29460
Vacant Housing Units Rented Not Occupied2090
Vacant Housing Units For Sale8378
Vacant Housing Units Sold Not Occupied2080
Vacant Housing Units For Seasonal Occasional Use3872
Vacant Housing Units All Other Vacants37557
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent4
Housing Tenure Occupied Units916856
Housing Tenure Occupied Units Owner Occupied254241
Housing Tenure Occupied Units Owner Occupied Population748285
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied662615
Housing Tenure Occupied Units Renter Occupied Population1720806
Housing Tenure Occupied Units Renter Occupied Average Household Size3