Homeowners application 2025

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The 80 is a standardized insurance form used in the process of underwriting homeowners line of business. This form formally records an applicants personal information, property details, and insurance history.
New York State residents who own a home and occupy it as their primary residence can apply if they are: Behind or in forbearance on their mortgage. In default on a reverse mortgage. Behind on their property taxes, water or sewage bills.
The New York State (NYS) Emergency Rental Assistance Program (ERAP) provides income-qualified renters and landlords who experienced financial hardship due to COVID-19 with up to 12 months back rent and up to three months future rent. Utility arrears assistance is also available in some cases.
HO-3 (special form) The most common type of homeowners insurance is the HO-3 policy. HO-3 policies offer more expansive coverage than HO-2s, meaning that your homes structure is safeguarded against all perils except for those specifically excluded (for example, earthquakes and floods) in your policy.
The New York State Mortgage Assistance Program offers 0 percent interest loans of up to $80,000 to eligible New Yorkers across the state. Funds can be used to bring a mortgage current, help get a modification, pay off property tax arrears, or settle other debts that could lead to foreclosure.
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The New York State Homeowner Assistance Fund (NYS HAF) is a federally-funded program dedicated to assisting homeowners who are at risk of default, foreclosure or displacement as result of a financial hardship caused by the COVID-19 pandemic.
In general, a COI is used to provide proof of insurance, while a declaration page is primarily for the policyholders reference and goes into greater detail about your coverage levels.

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