The top-rated flood insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 262 reviews. Other highly rated options include Kelly McGrath - State Farm Insurance Agent, Attanasio Agency, LLC, John Loughlin - State Farm Insurance Agent. This directory lists 12 flood insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mick Butler - State Farm Insurance Agent | 961 Hoosick Rd | (518) 237-6425 |
| 2 | Kelly McGrath - State Farm Insurance Agent | 233 N Greenbush Rd | (518) 272-7000 |
| 3 | Attanasio Agency, LLC | 235 Pawling Ave | (518) 266-0311 |
| 4 | John Loughlin - State Farm Insurance Agent | 160 Oakwood Ave | (518) 266-9965 |
| 5 | Freeway Insurance | 351 Broadway | (518) 520-0450 |
| 6 | Culnan Insurance Agency LLC | 16C N Greenbush Rd | (518) 326-1191 |
| 7 | Wm. J. Fagan & Sons, Inc | 15 1st St | (518) 272-3471 |
| 8 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 9 | De Genero Insurance | 225 N Greenbush Rd | (518) 283-1164 |
| 10 | Insurance Depot | 639 Pawling Ave | (518) 279-1190 |
Mick Butler - State Farm Insurance Agent serves the Troy, New York area, specializing in flood insurance agency services. The agency helps property owners understand the specific flood risks for their location along the Hudson River corridor. It provides guidance on identifying appropriate coverage options, including policies that address structural damage and personal property loss from flood events. The office also assists with navigating the application process for federal flood insurance programs. For residents, it handles obtaining coverage for basements and foundation repairs. For businesses, it manages policies for commercial flood exposure assessments.
Kelly McGrath’s agency in Troy, NY provides flood insurance policies designed to protect property from water damage and rising water incidents. It offers standard coverage options and basic assistance with claims filing and policy adjustments. Its service approach ensures clients understand policy terms and coverage limitations for flood risks. The agency maintains clear communication for policy renewals and annual reviews. It services single-family homes, apartments, retail spaces, and restaurants in the local area.
Attanasio Agency, LLC serves homeowners, businesses, and property managers seeking essential financial protection against building and contents damage from rising water. As a dedicated flood insurance agent based in Troy, New York, the agency assists clients in evaluating their coverage needs and navigating the complexities of National Flood Insurance Program policies. Its service area extends to neighboring communities in the Capital District, including parts of Rensselaer and Albany Counties such as Watervliet or Cohoes.
Serving Troy, NY, and the surrounding communities of the Capital Region, John Loughlin - State Farm Insurance Agent handles flood insurance policies for both residential and commercial properties. They assist clients in navigating the National Flood Insurance Program and standard homeowners coverage limitations in this flood-prone area. For a typical job, the agent evaluates a property’s specific flood zone risk and existing coverage gaps, then presents policy options that fit that location’s unique exposure. This approach relies on careful property-level consultation to tailor the protection to each client’s circumstances.
Freeway Insurance in Troy, New York operates as a flood insurance agent providing property owners with coverage options for flood-related damage. Its service range includes policies through the National Flood Insurance Program and private insurers for residential and commercial properties in flood-prone areas. The agency assists clients in assessing their property's flood risk and selecting appropriate policy limits. It can also add on supplemental contents coverage for personal belongings lost in a flood event.
Culnan Insurance Agency LLC in Troy, NY distinguishes between one-time flood insurance policies for specific property transactions and recurring annual plans that protect against ongoing regional flood risks. Their coverage can include losses from storm surges or inland flooding on residential and commercial structures. For policy setup, renewals, and claims support related to National Flood Insurance Program or private provider options, the service runs on both a scheduled basis for annual renewals and as needed for new policy inquiries and claims assistance.
Specializing in flood insurance policies, Wm. J. Fagan & Sons, Inc assists property owners in Troy, NY with securing coverage tailored to local flood risks. The agency guides clients through the complexities of the National Flood Insurance Program and private market options to protect homes and businesses. It regularly works with those in designated flood zones to ensure adequate protection against water damage. During periods of heavy spring runoff and sudden snowmelt, the firm helps address rising concerns about potential flood losses in the area.
Spring rains and snowmelt along the Hudson can quickly threaten basements in Troy, New York. Brundige Insurance Agency helps property owners understand available flood insurance options for protecting homes and businesses from such water damage. Their agents work with area residents to evaluate specific property flood risks and review appropriate coverage levels. They know the local flood zones and community rating system details, simplifying complex policy choices for clients. The process begins with a thorough property inspection and a discussion of current insurance needs to recommend the right coverage.
De Genero Insurance serves property owners in Troy, NY, by offering flood insurance policies that protect residential and commercial structures from water damage. The agency specializes in matching clients with appropriate coverage from standard providers, including additional endorsements for basement contents and temporary living expenses. Business clients can secure policies tailored for offices, warehouses, and food service establishments.
Insurance Depot in Troy, NY assists residential property owners with securing flood insurance policies that protect their homes and belongings. Coverage options are also made available for commercial properties in the surrounding region. Their work involves helping clients understand local flood zone risks and navigate changing federal requirements for policies. Customers can rely on the agency for follow-up or repeat service between regular visits regarding coverage adjustments or renewal reviews.
What Does a a Flood Insurance Agent in Troy Cost?
Flood insurance costs in Troy, New York vary by property elevation, flood zone, and coverage amount. NFIP policies average around $700 to $1,200 per year for standard coverage, but high-risk properties can cost $2,000 or more. Private flood insurance may offer lower rates or higher limits. This is general information, not insurance advice.
About flood insurance agents in Troy
Flood insurance agents in Troy, New York help property owners secure coverage through the National Flood Insurance Program and private insurers. New York law requires flood insurance for properties in high-risk zones designated by FEMA. Agents in Troy can explain local flood maps and policy options for homes and businesses.
Frequently Asked Questions
Is flood insurance required in Troy New York?
Flood insurance is required by federal law for properties in high-risk flood zones with a federally backed mortgage. New York state does not mandate flood insurance outside of these zones, but agents recommend it for all properties near the Hudson River or other waterways.
What does a flood insurance agent in Troy do?
A flood insurance agent helps you compare NFIP and private flood policies, complete the application, and understand coverage limits. They also assist with elevation certificates and claims filing after a flood event.
How long does it take to get flood insurance in Troy?
NFIP policies have a 30-day waiting period before coverage begins, unless the policy is required for a mortgage closing. Private insurers may offer shorter waiting periods. An agent can explain the timeline for your specific situation.
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