The top-rated landlord insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 11 landlord insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Steve Jarvis - State Farm Insurance Agent | 834 Black River Blvd | (315) 336-5595 |
| 6 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 7 | Day & Read Insurance Services | 1107 Floyd Ave | (315) 594-7138 |
| 8 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 9 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 10 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
Stephanie Utter - State Farm Insurance Agent serves the Rome, New York metro area, offering landlord insurance. The agency helps property owners secure coverage for rental dwellings, including protection against property damage and liability claims. Business policies and rent loss coverage are also available to address common risks. Specific services include customizable policies for single-family rentals and multi-unit properties.
Freeway Insurance provides residential landlord coverage in Rome, New York, helping property owners manage risks associated with rental dwellings. They also offer commercial policies for larger or multi-unit rental properties throughout the Rome area. Their work involves tailoring insurance plans to local housing regulations and market conditions for landlords. After an initial policy is set, they remain available for adjustments and renewal discussions as leases change or properties require updates between regular service visits.
Michael Collea - State Farm Insurance Agent in Rome, NY provides landlord insurance coverage designed to protect rental property owners from financial losses. The agency helps clients secure policies that address property damage and liability concerns associated with leasing dwellings. Protection plans are tailored to cover maintenance needs and unexpected incidents, ensuring landlords can manage their investments confidently. This agent services single-family homes, apartments, retail spaces, and restaurants within the local area.
Serving Rome, New York, and the surrounding communities, Moore Insurance Group handles landlord insurance policies for residential and commercial property owners. The agency covers essential protections like property damage, liability coverage, and loss of rental income. For property investors in the area, securing comprehensive coverage is crucial to mitigating risks from tenant issues or weather events. Moore Insurance Group addresses a typical job by first reviewing the specific property type, then matching coverage limits to the landlord’s financial exposure to ensure adequate protection.
Steve Jarvis - State Farm Insurance Agent in Rome, NY, serves local homeowners, landlords, and property managers who need coverage for rental properties. This agency assists clients with policies that protect rental dwellings from common risks such as fire, weather damage, and liability claims. It helps property owners in the area understand their insurance options for single-family rentals or multi-unit buildings. The agency also serves property investors and managers in nearby Utica and the broader Oneida County region.
Joseph Zullo with Allstate Insurance assists property owners in Rome, NY, by explaining the difference between a one-time landlord policy for a single rental dwelling and a recurring commercial package for multiple units. Coverage typically includes protection for the building structure, liability for tenant injuries, and loss of rental income during repairs. Service options are flexible, with policies structured on a scheduled annual renewal basis, though adjustments can be made on an as-needed basis between renewals.
Day & Read Insurance Services in Rome, NY specializes in landlord insurance policies tailored for rental property owners. It provides coverage for residential and commercial rental dwellings, addressing liability and property damage concerns central to this category. The company works with local property managers and individual landlords to secure appropriate protection. As winter approaches in central New York, it helps clients safeguard against freeze-related pipe bursts and ice dam claims that threaten rental income and property stability.
As winter approaches, landlords in Rome, NY face increased risks from frozen pipes and roof damage, and Alan I. Spindler: Allstate Insurance addresses these concerns with tailored landlord insurance policies. The agency helps property owners understand coverage options that protect rental income and building structures against common seasonal perils. Each policy is designed to mitigate financial loss from tenant-related issues or weather events. The process begins with a thorough property inspection to assess specific needs and risk factors.
Better Fund Insurance provides landlord insurance services for property owners in Rome, New York. The agency helps clients with policies that protect rental homes and the income they generate. Its specialty work includes adding coverage for liability risks, property damage, and loss of rent from tenant issues or natural events. As a local agent, it assists landlords who own commercial spaces as well. These offerings can apply to offices, warehouses, and food service establishments.
Dimaggio Insurance Agency in Rome, NY provides residential landlord insurance designed to protect rental properties and their owners from common losses. Commercial coverage is also available for larger multi-unit buildings and mixed-use structures within the surrounding Central New York region. Policies typically address property damage, liability, and loss of rental income. Follow-up service between regular visits helps adjust coverage after tenant changes or renovations keep protection aligned with current property conditions.
What Does a a Landlord Insurance Agent in Rome Cost?
Typical landlord insurance costs in New York range from 15 to 30 percent more than standard homeowners insurance, with average annual premiums between 1,200 and 2,800 dollars for a single-family rental in Rome. Factors affecting cost include property age, location, coverage limits, and deductible amount. Policies with higher liability limits or additional endorsements for flood or earthquake coverage will cost more. This is general information, not insurance advice.
About landlord insurance agents in Rome
Landlord insurance agents in Rome, 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, and an agent can explain how state regulations like the Housing Stability and Tenant Protection Act affect your policy needs. Working with a local agent ensures you understand coverage for property damage, lost rental income, and legal liability specific to the Rome area.
Frequently Asked Questions
What does landlord insurance cover in New York?
Landlord insurance in New York typically covers property damage from fire or storms, liability for tenant injuries, and loss of rental income if the property becomes uninhabitable. It does not cover tenant personal belongings, which require renters insurance. New York landlords may also need flood or sewer backup coverage depending on the property location.
Is landlord insurance required by law in New York?
New York state law does not require landlords to carry insurance, but mortgage lenders almost always mandate it. Additionally, many local housing codes in Rome may require proof of liability insurance before issuing rental permits. Without insurance, you risk personal financial loss from property damage or lawsuits.
How do I choose a landlord insurance agent in Rome?
Look for an agent licensed in New York with experience insuring rental properties in Oneida County. Ask about their knowledge of local risks like winter freeze damage and flood zones near the Mohawk River. Compare quotes from multiple agents and ensure the policy meets any requirements from your mortgage lender.
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