Frequently Asked Insurance Questions
Take a look at the questions and concerns of other insurance customers like you.
What are New York’s minimum auto insurance requirements?
New York requires liability coverage of 25/50/10 ($25,000 per person/$50,000 per accident for bodily injury, $10,000 for property damage) and uninsured motorist coverage.
Do I need separate insurance for my RV in New York?
Yes, if your RV is a motorhome, you need liability insurance. For towable RVs, insurance is optional but recommended.
How does no-fault insurance work in New York?
No-fault insurance covers medical expenses for you and your passengers, regardless of who caused the accident.
Can I get discounts on my auto insurance?
Yes, discounts are available for defensive driving courses, multiple policies, good driving records, and safety features.
Does homeowners insurance cover flood damage?
No, flood insurance is separate and must be purchased through the National Flood Insurance Program (NFIP) or private insurers.
What does a standard homeowners policy cover?
It covers dwelling protection, personal property, liability, and additional living expenses due to damage.
Are there discounts for home security systems?
Yes, many insurers offer discounts for burglar alarms, smoke detectors, and other safety measures.
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