Port Chester has 31,102 residents in 11,056 households. We list 5 agencies for home insurance in Port Chester. Here is what the local numbers say about the cover people here need.

Port Chester at a glance

5home insurance agencies listed
53.5%of households rentRenters insurance
$582,600median home valueHome insurance
1954median year homes were builtRebuild cost calculator
13.7%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Westchester County

FEMA rates the overall natural hazard risk in Westchester County, where most Port Chester agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Port Chester
Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Port Chester
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York
HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Port Chester

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Questions

Home insurance in Port Chester

All insurance agencies in Port Chester · Home insurance across New York

Where can I find home insurance in Port Chester?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Port Chester?

FEMA's National Risk Index rates inland flooding risk in Westchester County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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