New York has 8,483,844 residents in 3,334,088 households. We list 17 agencies for vacant land insurance in New York. Here is what the local numbers say about the cover people here need.

New York at a glance

17vacant land insurance agencies listed
67.2%of households rentRenters insurance
$777,600median home valueHome insurance
1952median year homes were builtRebuild cost calculator
55.3%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 New York County

FEMA rates the overall natural hazard risk in New York County, where most New York 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 York
Inland floodingVery 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
Winter weatherVery High
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 York
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in New York

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.

Insurance companies New York agencies work with

Of the 17 New York agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

American Modern15 agencies
Chubb8 agencies
Foremost8 agencies
Chubb (ACE)7 agencies
Employers7 agencies
The Hartford7 agencies
Travelers7 agencies
Travelers (Standard Fire)7 agencies
AmTrust6 agencies
Liberty Mutual6 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where New York agencies are

New York agencies we list sit in 11 ZIP codes, mostly in New York County.

100364 agencies
100133 agencies
100062 agencies
100011 agency
100041 agency
100071 agency
100111 agency
100191 agency
100231 agency
101231 agency
102811 agency

Questions

Vacant Land insurance in New York

All insurance agencies in New York · Vacant Land insurance across New York

Where can I find vacant land insurance in New York?

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 vacant land insurance cover?

Liability cover for land you own but have not built on.

Which insurance companies do New York agencies work with?

Among the 17 New York agencies whose appointments we hold, the companies they are most often appointed with are American Modern (15), Chubb (8), Foremost (8), Chubb (ACE) (7), Employers (7). An appointed agency can quote that company's policies.

Do I need flood insurance in New York?

FEMA's National Risk Index rates inland flooding risk in New York County as Very 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.

Nearby

Vacant Land insurance near New York

For insurance agencies

Is your New York agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing