Home insurance · New York

Home Insurance Agencies in Staten Island, NY

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

Local insight

Home insurance in Staten Island: what to know

Richmond County has 494,956 residents in 170,777 households. We list 6 agencies for home insurance in Staten Island. Here is what the local numbers say about the cover people here need.

Staten Island at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Richmond County (the Census does not publish Staten Island as a separate place). Agency count: our listings.

Natural hazard risk in Richmond County

FEMA rates the overall natural hazard risk in Richmond County, where most Staten Island agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Strong windRelatively 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 Staten Island
  • Winter weatherRelatively High

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

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Staten IslandHow much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Where Staten Island agencies are

Staten Island agencies we list sit in 4 ZIP codes, mostly in Richmond County.

  • 103143 agencies
  • 103071 agency
  • 103101 agency
  • 103121 agency

Questions

Home insurance in Staten Island

All insurance agencies in Staten Island · Home insurance across New York

Where can I find home insurance in Staten Island?

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 Staten Island?

FEMA's National Risk Index rates inland flooding risk in Richmond County as Relatively Moderate 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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