New Rochelle has 82,769 residents in 31,684 households. We list 11 insurance agencies in New Rochelle. Here is what the local numbers say about the cover people here need.

New Rochelle at a glance

11insurance agencies listed
46.3%of households rentRenters insurance
$702,500median home valueHome insurance
1955median year homes were builtRebuild cost calculator
16.4%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 New Rochelle 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 New Rochelle
Winter weatherVery High
LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in New Rochelle
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 New Rochelle

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 New York How much liability cover do you need?

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

What New Rochelle agencies can write

Share of the 11 agencies listed in New Rochelle that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where New Rochelle agencies are

New Rochelle agencies we list sit in 3 ZIP codes, mostly in Westchester County.

108017 agencies
108043 agencies
108051 agency

Questions

Insurance agencies in New Rochelle

How do I find an insurance agency in New Rochelle?

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 insurance can I get from agencies in New Rochelle?

Most often home, general liability, professional liability. Pick a type in the filters to narrow the list.

Do I need flood insurance in New Rochelle?

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.

Do I need renters insurance in New Rochelle?

46.3% of households in New Rochelle rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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