The top-rated landlord insurance agent in Rochester, New York is VanScoter Insurance Agency LLC, rated 5.0 stars across 438 reviews. Other highly rated options include Elmwood Agency, Quinton Insurance, Craig Brown - GEICO Insurance Agent. This directory lists 51 landlord insurance agents serving Rochester.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | VanScoter Insurance Agency LLC | 1577 W Ridge Rd Suite 218 | (585) 663-2004 |
| 2 | Elmwood Agency | 1 Reserve View Blvd | (585) 548-4500 |
| 3 | Quinton Insurance | 2700 Elmwood Ave | (585) 244-9004 |
| 4 | Craig Brown - GEICO Insurance Agent | 4138 W Henrietta Rd | (585) 271-2886 |
| 5 | Freeway Insurance | 2199 E Henrietta Rd | (585) 283-2053 |
| 6 | Sean Davern - State Farm Insurance Agent | 2121 E Main St | (585) 482-0738 |
| 7 | FLANAGAN MILLS INSURANCE AGENCY | 448 Titus Ave | (585) 678-8008 |
| 8 | Van C. Travis III, ChFC - State Farm Insurance Agent | 1978 Monroe Ave | (585) 461-5240 |
| 9 | Flour City Insurance Agency | 1260 Scottsville Rd Suite 202A | (585) 861-2002 |
| 10 | Insurance Marketplace Agency | 150 Allens Creek Rd Suite 220 | (585) 482-9980 |
Landlord insurance policies from VanScoter Insurance Agency LLC in Rochester, New York can be arranged as one-time coverage for a single property or as recurring policies for a portfolio of rentals. This agency tailors each plan to protect against property damage, liability claims, and loss of rental income typical for local landlords. Coverage is designed to meet the specific needs of residential and commercial property owners in the area. Service is available on both a scheduled and as-needed basis.
Elmwood Agency in Rochester, New York assists landlords in distinguishing between single-policy coverage for a specific property and ongoing portfolio protection for multiple rentals. The agency helps property owners secure liability protection against tenant injuries and property damage, as well as coverage for building repairs and lost rental income. Their landlord insurance services are available on either a one-time basis for individual policies or a scheduled basis for managing renewals across an entire rental portfolio.
Quinton Insurance offers customized protection for residential rental properties, serving Rochester, New York landlords with policies that address property damage and liability exposures. Its general services include evaluating coverage limits for dwelling structures, additional buildings, and loss of rental income. The company also helps property owners address common threats such as tenant-caused damage and weather-related claims. When winter storms cause ice dam leaks or frozen pipe bursts, Quinton Insurance assists landlords in adjusting coverage to manage these repair costs and business interruptions.
Craig Brown's GEICO Insurance Agency provides landlord insurance to property owners in Rochester, New York, and the surrounding Monroe County communities. The agency handles policies designed to protect rental homes, duplexes, and small apartment buildings from common liability and property damage risks. It works with local landlords to secure coverage that aligns with specific property needs and local regulations. For a typical job, the agent first reviews the property details and rental situation, then compares available coverage options to recommend a suitable policy.
Freeway Insurance provides specialized landlord insurance policies in Rochester, New York, covering rental properties against property damage and liability claims. The agency works with landlords to assess coverage needs for single-family homes and multi-unit buildings. It also offers general property insurance services to area residents and investors. During the harsh winter season, the company helps landlords address coverage for potential damage from frozen pipes and roof ice dams.
Sean Davern - State Farm Insurance Agent operates as a Landlord Insurance Agent in Rochester, New York, offering property coverage for rental dwellings along with liability protection. Its specialty add-ons include policies for loss of rental income and coverage for landlord furnishings or appliances. The agency structures its policies to address common regional risks such as winter freeze damage and tenant-related incidents. Beyond standard residential rentals, it provides insurance for commercial sectors, including offices, warehouses, and food service establishments.
Flanagan Mills Insurance Agency serves Rochester-area landlords by securing coverage for residential rental properties, including single-family homes and multi-unit dwellings. The agency also addresses commercial landlord policies for local investors managing retail or office spaces throughout the region. Property owners can obtain tailored protection for their portfolios while ensuring compliance with common risk requirements. Following a policy placement or renewal, agents maintain contact with clients, offering prompt future service between scheduled visits to adjust coverage as property portfolios evolve.
Van C. Travis III, ChFC - State Farm Insurance Agent serves landlords throughout the Rochester, New York metro area. The company provides landlord insurance policies tailored to protect residential rental properties and their owners. Coverage options address property damage, liability, and lost rental income. This agency handles policy management for investment properties and assists with risk evaluation for rental homes and apartments in the region.
Flour City Insurance Agency based in Rochester, New York is known for advising property owners on appropriate landlord insurance policies. Its service range includes helping clients secure coverage for residential rentals and multi-unit dwellings against common perils. A typical local landlord insurance agent provides options tailored to the unique risks of the Rochester rental market. As a specialty service, this agency can often arrange liability protection for properties with short-term tenant occupancy from vacation bookings.
What Does a a Landlord Insurance Agent in Rochester Cost?
Typical costs for landlord insurance in Rochester, New York range from 1,200 to 2,500 dollars per year for a single-family rental property. Factors such as property age, building materials, and proximity to fire stations affect the premium. For multi-unit buildings, costs can be higher, often 3,000 to 6,000 dollars annually. This is general information and not insurance advice.
About landlord insurance agents in Rochester
Landlord insurance agents in Rochester, New York help property owners protect their rental investments with policies tailored to local risks. New York law requires landlords to maintain certain liability coverages, especially for multi-unit dwellings in cities like Rochester. An agent can guide you through options such as dwelling fire insurance and loss of rent coverage to meet your specific needs.
Frequently Asked Questions
What does landlord insurance cover in Rochester New York?
Landlord insurance typically covers the building structure, liability for tenant injuries, and loss of rental income if the property becomes uninhabitable. In New York, policies may also include coverage for water damage from burst pipes, a common issue in Rochester winters.
Is landlord insurance required by law in New York?
New York state law does not require landlord insurance, but most mortgage lenders will require it for rental properties. Additionally, New York City and some local ordinances may impose liability coverage minimums for certain building types, though Rochester does not have a specific local mandate.
How much does landlord insurance cost in Rochester New York?
In Rochester, landlord insurance premiums typically range from 15 to 30 percent more than standard homeowners insurance. Average annual costs for a single-family rental property in New York are between 1,200 and 2,500 dollars, depending on property value, location, and coverage limits.
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