The top-rated landlord insurance agent in Middletown, New York is James Demmer - State Farm Insurance Agent, rated 4.9 stars across 924 reviews. Other highly rated options include Cassie Gleeson - State Farm Insurance Agent, Joy Insurance, Curabba Insurance Agency. This directory lists 19 landlord insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | James Demmer - State Farm Insurance Agent | 13 James P Kelly Way ste a | (845) 344-3276 |
| 2 | Cassie Gleeson - State Farm Insurance Agent | 246 NY-211 | (845) 775-3277 |
| 3 | Joy Insurance | 639 E Main St | (845) 683-5261 |
| 4 | Curabba Insurance Agency | 334 E Main St | (845) 343-0855 |
| 5 | De Anne Gleeson - State Farm Insurance Agent | 809 NY-211 | (845) 692-3456 |
| 6 | Evergreen Insurance Agency -Peter Schmidt | 690, 4 NY-211 E | (845) 673-6127 |
| 7 | The Premium Select Group Inc. | 32 County Rd 78 | (845) 520-9774 |
| 8 | Hutchings Agency Inc. | 682 E Main St # 2D | (845) 343-2148 |
| 9 | Nicole Feichtl at Comparion Insurance Agency | 265 NY-211 Suite 106B | (845) 394-6155 |
| 10 | Lori Buhagiar: Allstate Insurance | 125 Dolson Ave Ste 22b | (845) 343-5909 |
James Demmer - State Farm Insurance Agent serves the Middletown, NY area, providing landlord insurance policies designed to protect rental property owners. The agency helps residential and commercial property investors secure coverage that addresses property damage, liability risks, and potential loss of rental income. Tailored insurance solutions are offered for single-family homes, multi-unit dwellings, and apartment buildings. Specific services handled here include property damage protection and general liability coverage for landlords.
Cassie Gleeson - State Farm Insurance Agent in Middletown, NY, provides landlord insurance services covering property damage, liability protection, and loss of rental income for property owners. The agency helps customize coverage plans to address the specific maintenance and risk needs of different rental properties. Regular policy reviews ensure that protections align with current property conditions and local market requirements. Its clientele includes owners of single-family homes, apartments, retail spaces, and restaurants.
Joy Insurance serves landlords and property managers in Middletown, New York, offering coverage tailored to rental properties. Its policies help protect residential and commercial landlords from common risks such as property damage, liability claims, and lost rental income. The agency works to match property owners with plans that meet local regulations and insurance requirements. Joy Insurance also provides support for claims and policy adjustments as landlord needs change. Its coverage area extends to nearby communities throughout Orange County.
Curabba Insurance Agency serves Middletown, New York, and the surrounding communities in Orange County. The company handles landlord insurance policies tailored specifically for property owners who rent out residential or commercial units. It addresses coverage needs such as property damage, liability protection, and loss of rental income. To handle a typical job, the agency begins by assessing the specific risks associated with each local property structure and its tenancy situation before recommending a customized policy that aligns with the property owner's financial exposure.
De Anne Gleeson - State Farm Insurance Agent in Middletown, NY, offers landlord insurance on both a one-time policy purchase for a single rental property and as part of an ongoing, scheduled portfolio of coverage options. The agency’s approach helps protect landlords against property damage, liability claims, and loss of rental income due to covered incidents. Service is provided on an as-needed basis, allowing clients to request policy reviews, adjustments, or new quotes whenever their rental situation changes.
As rental property owners in the Ulster County region prepare for the changing seasons, they face shifting liabilities from winter freeze risks to spring storm damage. The Premium Select Group Inc. in Middletown, NY serves local landlords by offering customized landlord insurance agent services built around each property's unique exposures. Policies are structured to protect both the structure and rental income. To begin, an agent arranges a thorough property inspection to assess existing coverage gaps and structural vulnerabilities, ensuring all risks are identified before the policy is finalized.
Hutchings Agency Inc. provides residential landlord insurance services for property owners in the Middletown, New York area, along with coverage for commercial rental properties. The agency works with landlords to tailor policies that address common local risks such as tenant liability and property damage. After an initial consultation, they remain available to adjust coverage as leases or buildings change, ensuring consistent protection between regular reviews.
Nicole Feichtl at Comparion Insurance Agency is a landlord insurance agent in Middletown, New York, known for providing coverage tailored to rental property owners. The agency serves local landlords seeking protection for residential or commercial rental units, addressing risks such as property damage, liability, and loss of rental income. For policyholders, the company can also add on specialized coverage for vacant properties or short-term rental exposures, ensuring more complete risk management.
Lori Buhagiar: Allstate Insurance in Middletown, NY provides general landlord insurance coverage to protect rental properties. The firm can also offer specialty add-ons such as liability protection and loss of rental income coverage. These policies help safeguard residential and commercial income properties from common risks like fire and weather damage. The same comprehensive protection extends to commercial sectors including offices, warehouses, and food service operations.
What Does a a Landlord Insurance Agent in Middletown Cost?
The cost of landlord insurance in New York typically ranges from 15 to 30 percent more than standard homeowners insurance, with annual premiums for a single-family rental in Middletown averaging between 800 and 1,500 dollars. Factors such as property age, location, number of units, and coverage limits affect the price. This is general information and does not constitute insurance advice.
About landlord insurance agents in Middletown
Landlord insurance agents in Middletown, NY help property owners protect their rental investments with policies that cover property damage, liability, and loss of rental income. New York law requires landlords to maintain certain safety standards, and a local agent can explain how these requirements affect your coverage needs. Working with an agent familiar with Orange County regulations ensures your policy meets both state and local guidelines.
Frequently Asked Questions
What does landlord insurance cover in New York?
Landlord insurance typically covers the dwelling structure, liability protection, and loss of rental income if the property becomes uninhabitable. In New York, policies may also include coverage for ordinance or law changes that require upgrades after a loss. An agent can help you customize a policy for your specific rental property in Middletown.
Is landlord insurance required by law in New York?
New York state law does not require landlord insurance, but most mortgage lenders and property management companies require it. Without coverage, you could be personally liable for injuries or property damage. An agent can explain the legal risks of operating without insurance in New York.
How do I choose a landlord insurance agent in Middletown NY?
Look for an agent who specializes in rental properties and has experience with New York insurance regulations. Ask about their knowledge of local property values and common risks in Orange County. A good agent will review your lease agreements and property condition to recommend appropriate coverage limits.
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