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.

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:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

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• Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

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  Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

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.