New York insurance regulator

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person

$25,000

Bodily injury liability, per accident

$50,000

Property damage liability

$10,000

Personal injury protection (PIP)

$50,000 no-fault (PIP)

Uninsured motorist coverage

Required

Death benefits must be at least $50,000 per person and $100,000 per crash. UM coverage must match the 25/50 bodily injury minimums.

Source: Insurance requirements - New York State DMV · N.Y. Veh. & Traf. Law § 311(4); N.Y. Ins. Law §§ 5102, 5103, 3420(f)(1) · Reviewed Sep 13, 2026

These state-established programs cover homes that private insurers won’t. They’re meant as a last resort: coverage is often more limited and can cost more, so shop the private market and ask an agent first. Eligibility rules vary.

• New York Property Insurance Underwriting Association (New York FAIR Plan) FAIR Plan

  Dwelling fire policies.

  Where: Statewide

  Claims: 212-208-9700

Checked against each program’s website on Sep 13, 2026. Reviewed Sep 13, 2026.

NFIP claims, 2016–2025

11,892

$333.2 million paid

NFIP claims in 2025

298

$6.2 million paid

Standard homeowners and renters policies usually don’t cover flood damage. These figures count only National Flood Insurance Program claims. See all states and how we calculate this

Source: FEMA OpenFEMA NFIP Redacted Claims. Not adjusted for inflation.