New York home insurance: no new filings in 30 days, $119/mo NAIC baseline holds

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

No new New York home insurance rate filings have been recorded in the past 30 days. The 2023 NAIC published baseline ($119/mo) remains the most recent state-aggregate reference; current carrier rates typically run 10-25% above.

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What’s driving this

New York is a prior-approval state with one of the strictest no-fault auto regimes in the country, which drives both higher auto premiums and significantly faster claim resolution than tort states.

Methodology: /methodology/rate-authority/

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