The top-rated home insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 259 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 home 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 | Met Life | 500 Jordan Rd | (518) 691-0764 |
| 9 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 10 | De Genero Insurance | 225 N Greenbush Rd | (518) 283-1164 |
Mick Butler - State Farm Insurance Agent serves the Troy, New York area and the surrounding Rensselaer County region, providing home insurance agency services. The company assists local homeowners with structuring policies that protect property and personal possessions against common regional risks like winter storms and aging infrastructure. These plans can be tailored to include coverage for dwelling damage, liability protection, and additional living expenses if a home becomes uninhabitable. The agency also handles policies for rental properties and condos.
Kelly McGrath - State Farm Insurance Agent provides a full range of coverage options designed to protect residential and commercial properties. Services include customized home insurance policies, liability coverage, and assistance with claims processing. The agency offers routine policy reviews to adjust coverage as property values change. It also helps clients understand replacement cost versus actual cash value. Regular maintenance plans are not offered directly, but the agency advises on risk prevention steps like updating wiring or roofing. The agent services single-family homes, apartments, retail spaces, and restaurants in Troy, NY.
Attanasio Agency, LLC serves homeowners and property managers in the Troy, New York area with home insurance policies designed to protect residential properties and rental units. The agency guides clients through coverage options that address local risks such as winter weather and aging infrastructure. Customer consultations focus on matching policy limits to property values and personal assets. Attanasio Agency, LLC also provides home insurance services to residents in the neighboring communities of Watervliet and Cohoes.
John Loughlin - State Farm Insurance Agent serves the Troy, NY area and surrounding communities with home insurance coverage. The agency handles policies that protect a home’s structure, personal belongings, and liability risks. It also addresses additional living expenses if a home becomes uninhabitable due to a covered event. Each homeowner’s policy is reviewed individually to match specific property needs and risk factors. The typical job begins with a detailed consultation to assess a home’s unique exposure, followed by customization of coverage options to ensure appropriate protection.
Freeway Insurance in Troy, New York offers home insurance either as a one-time policy purchase or as an ongoing, renewable coverage option. Their agents typically guide homeowners through standard property protection, including dwelling, liability, and contents coverage. Clients can choose a one-time payment for a term or set up recurring periodic payments. Service for policy adjustments and questions runs on an as-needed basis, with renewal reviews often scheduled annually to reassess coverage needs.
Culnan Insurance Agency LLC in Troy, NY offers both one-time coverage purchases and recurring annual policy options for local homeowners. A standard home insurance policy typically provides financial protection for the dwelling structure, personal belongings, and liability for accidents on the property. The agency’s approach focuses on matching individual property needs with appropriate plans. Clients can rely on scheduled annual renewals or request as-needed adjustments to their coverage throughout the policy term.
Operating as a home insurance agent in Troy, NY, the company specializes in helping property owners secure appropriate coverage for their specific housing needs. It provides general insurance services, including guidance through policy options and claims support for local residents. This work helps homeowners protect their investments against common risks such as fire, theft, or weather damage. As freezing temperatures approach each winter, the company regularly assists clients in understanding how to safeguard their homes against burst pipes and related cold-weather damage.
From Albany-area winters bringing ice dams and heavy snow to spring storms that can damage roofs and siding, Met Life helps Troy homeowners find coverage that matches local risks. The company works with clients to understand standard policies and the optional endorsements that address basement flooding or wind damage common in upstate New York. A first appointment begins with a careful look at the property’s age, construction type, and loss history, followed by a walk-through inspection of the home’s exterior and major systems.
Brundige Insurance Agency provides home insurance guidance to residents of Troy, New York. The company works with clients to protect residential structures, personal belongings, and liability exposures. Specialty add-ons can be arranged for flood risks, sewer backup, and high-value personal property. Policies are written to cover standard single-family homes as well as condominiums and rental properties. The agency can also help secure coverage for commercial sectors such as small offices, warehouses, and food service establishments.
De Genero Insurance provides homeowners in Troy, New York with residential property coverage tailored to individual needs. Beyond personal dwellings, the agency also handles commercial insurance policies for local businesses throughout the Capital Region. Agents work closely with clients to explain policy options, deductibles, and liability limits during the initial consultation. They maintain clear communication throughout the claims process, ensuring policyholders understand each step. Follow-up service is provided between regular policy reviews to update coverage as circumstances change, keeping protection aligned with current property values and personal situations.
What Does a a Home Insurance Agent in Troy Cost?
The average cost of home insurance in New York is about 1,400 to 2,200 per year for a standard policy. In Troy rates may be higher due to older housing stock and local weather risks. Factors like your homes age roof condition and credit score also affect the premium. This is general information and not insurance advice.
About home insurance agents in Troy
Home insurance agents in Troy New York help homeowners find coverage that meets New York state requirements. They can explain local risks like winter weather and older home construction common in the Capital District. An agent can also help you understand the New York standard fire insurance policy and optional endorsements for flood or sewer backup.
Frequently Asked Questions
What does a home insurance agent in Troy do?
A home insurance agent in Troy helps you compare policies from different insurers. They explain coverage limits deductibles and New York specific rules like the requirement for fire insurance. They also assist with claims and policy changes.
Do I need flood insurance in Troy New York?
Flood insurance is not required by New York state law but many lenders require it for homes in flood zones. Troy has areas near the Hudson River and Mohawk River that are at risk. Your agent can help you get a policy through the National Flood Insurance Program.
How do I choose a home insurance agent in Troy?
Look for an agent licensed by the New York State Department of Financial Services. Ask about their experience with older homes in Troy and their knowledge of local insurance companies. Read online reviews and check their office location for convenience.
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