New York home insurance: no new filings in 30 days, $119/mo NAIC baseline holds (2026)

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.

How PolicyChat sources this data

Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/

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