Grants directory
New York Property Insurance Underwriting Association basic coverage and related premium discounts
New York Property Insurance Underwriting Association / New York State Department of Financial Services · State program
Insurance coverage option, not a direct incentive; premium depends on policy
NYPIUA is New York’s insurer of last resort for homeowners who cannot get standard coverage, and its basic coverage includes fire plus extended perils such as wind, hail, and smoke. DFS says insurers and NYPIUA can also offer premium discounts for loss-mitigation devices, but this page mainly documents the state-backed insurance option rather than a direct grant.
Program details
How it works
This DFS page explains that the New York Property Insurance Underwriting Association (NYPIUA) is available when a homeowner cannot find an insurer willing to sell a homeowners or tenants policy. It is not a home-hardening grant, but it is a statewide insurance program that can matter for disaster resilience and coverage access.
What the money covers
NYPIUA’s basic coverage generally includes fire and extended coverage for wind, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, and malicious mischief. A broader form is available for a higher premium and includes additional perils such as falling objects, weight of ice, snow or sleet, water or steam discharge, freezing, and sudden damage from artificial electric currents.
Amounts and matching
The page does not state a subsidy amount. It describes coverage options and premium structure.
How to apply
Homeowners who cannot obtain standard homeowners or tenants insurance are directed to this special insurance option. The page does not provide a hardening application process.
Timing and deadlines
No deadlines are listed.
Full eligibility details
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