Directory · New York · Homeowners

Who writes homeowners in New York

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

State Farm Group wrote the most homeowners in New York in 2025, $1.28B and 14.1% of the state's premium; the top five groups hold 50%. New York's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the New York page.

By Sam Alishahi, independent insurance broker · All lines in New York

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in New York

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#	Insurer group	Premium written	Share	Loss ratio	Member companies here
1	State Farm Group	$1.28B	14.14%	55%	State Farm Mutual Automobile Insurance Company, State Farm Fire and Casualty Company, State Farm Lloyds, State Farm General Insurance Company
2	Allstate Insurance Group	$1.08B	11.98%	44%	Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
3	Chubb Ltd Group	$1.04B	11.47%	30%	Federal Insurance Company, Ace American Insurance Company, Ace Property and Casualty Insurance Company, Chubb Lloyd's Insurance Company of Texas
4	Travelers Group	$631.1M	6.99%	38%	Travelers Property Casualty Company of America, Standard Fire Insurance Company (The), Travelers Personal Insurance Company, Travelers Casualty and Surety Company of America
5	Liberty Mutual Group	$531.4M	5.89%	29%	Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
6	Nycm Insurance Group	$347.3M	3.85%	45%	A. Central Insurance Company, New York Central Mutual Fire Insurance Company
7	Tokio Marine Holdings Inc Group	$281.2M	3.11%	39%	Philadelphia Indemnity Insurance Company, Privilege Underwriters Reciprocal Exchange, PURE Risk Mgt, Atty-in-Fact, Safety National Casualty Corporation, Producers Agriculture Insurance Company
8	American Family Insurance Group	$247.4M	2.74%	47%	American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
9	Heritage Insurance Holdings Group	$244.3M	2.71%	41%	Heritage Property and Casualty Insurance Company, Narragansett Bay Insurance Company, Zephyr Insurance Company, Inc.
10	United Serv Automobile Assn Group	$213.9M	2.37%	54%	United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company

Turned down?

Last resort for homeowners in New York

Last resort	Lines	Where	How to get in
Property FAIR Plans	dwelling fire, homeowners, commercial property	CA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FL	Each state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optional	Source
Surplus lines and Lloyd's open market	all	all states, under each state's diligent-search rules	Through surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last step	Source

Method and source

Source: the Excess Line Association of New York (DFS-licensed and eligible excess line insurers) company list, read 2026-10-17 and the surplus lines list. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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