The top-rated renters insurance agent in Utica, New York is Scott Grates - State Farm Insurance Agent, rated 5.0 stars across 291 reviews. Other highly rated options include Freeway Insurance, Matt Nimey Insurance Agency, AAA Utica. This directory lists 11 renters insurance agents serving Utica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Grates - State Farm Insurance Agent | 430 Trenton Rd | (315) 797-7763 |
| 2 | Freeway Insurance | 334 Genesee St | (315) 567-4346 |
| 3 | Matt Nimey Insurance Agency | By appointment Only, 2001 Bleecker St | (315) 737-6099 |
| 4 | AAA Utica | 430 Court St | (315) 797-5452 |
| 5 | Dan Meehan - State Farm Insurance Agent | 2023 Sunset Ave | (315) 735-4494 |
| 6 | BEACH AGENCY INC | 1111 Oriskany St W | (315) 793-7626 |
| 7 | Scalzo Zogby & Wittig Inc | 120 Lomond Ct | (315) 792-0000 |
| 8 | Farmers Insurance - Michelle Santillo-Romano | 2400 Genesee St | (315) 765-6531 |
| 9 | Michael Garcia: Allstate Insurance | 2046 Genesee St | (315) 793-3322 |
| 10 | Good Move Insurance Co | 409 Court St | (332) 208-9821 |
Scott Grates - State Farm Insurance Agent serves the Utica, New York area as a local renters insurance agent. It assists tenants with policies that cover personal belongings against theft, fire, and water damage. The agency also provides options for liability protection in case someone is injured within a rental property. Policyholders in Utica can review coverage details for electronic devices and prepare for temporary living expenses following a covered loss. Scott Grates handles new policy quotes and existing policy adjustments for apartment dwellers and homeowners.
Freeway Insurance serves Utica, New York, and the surrounding communities as a renters insurance agent. The agency handles policies that protect tenants against loss from theft, fire, and liability claims. It helps clients assess their personal property value to ensure appropriate coverage limits. The company guides customers through available deductibles and optional endorsements to match their individual rental situations. When managing a typical job, it reviews existing policies to identify any gaps and presents tailored options that address those specific exposures.
Serving property managers, landlords, and individual renters in Utica, New York, Matt Nimey Insurance Agency offers renters insurance policies designed to protect personal belongings and provide liability coverage for those leasing homes or apartments. The agency helps clients assess appropriate coverage levels for their specific needs, addressing common risks tenants face in the region. It also assists local business owners with related insurance solutions. In addition to catering to Utica residents, the agency extends its services to the neighboring community of New Hartford.
AAA Utica offers assistance with renters insurance policies and related coverage options for residents in Utica, New York. It provides guidance on selecting appropriate levels of personal property protection and liability coverage tailored to individual needs. The agent helps clients understand policy terms, file claims when necessary, and adjust coverage as circumstances change. Its services extend to tenants of single-family homes, apartments, retail spaces, and restaurants throughout the local area.
Dan Meehan - State Farm Insurance Agent serves clients throughout Utica, New York, and the surrounding Mohawk Valley communities, handling renters insurance for local tenants. This agency assists policyholders with coverage for personal belongings, liability protection, and additional living expenses after a covered loss. It works with renters to review policy limits and assess current valuations. It typically evaluates each client’s specific rental situation before customizing a plan to address individual asset exposures and budget expectations.
BEACH AGENCY INC, serving Utica, NY, helps renters distinguish between one-time policy purchases and recurring monthly payments while offering coverage for personal belongings, liability protection, and additional living expenses. As a local renters insurance agent, the agency assists clients in selecting suitable limits and deductibles based on individual needs. Services are available on an as-needed basis for initial policy setup, policy reviews, or claims assistance.
Scalzo Zogby & Wittig Inc specializes in renters insurance policies that cover personal property and liability for tenants. Its general service work includes customizing coverage to fit individual apartment or rental home needs. Serving Utica, NY, the agency assists clients in selecting appropriate policy limits. It helps tenants address seasonal concerns such as protecting belongings during harsh winter months or securing coverage for temporary relocations due to maintenance repairs.
As winter snow and ice recede in Utica, renters often review their coverage for the season ahead. Farmers Insurance - Michelle Santillo-Romano assists local tenants with protecting personal belongings and liability exposure under standard policies. The agent advises on typical risks like water damage from thawing pipes or theft during moving season. After discussing coverage limits and deductible options, the agent schedules a brief walk-through of the unit to assess specific needs and confirm policy details with the renter.
Renters insurance through Michael Garcia: Allstate Insurance differs between a one-time policy payment for a full term and scheduled monthly installments spread across the lease period, protecting personal belongings and liability. Coverage typically includes losses from theft, fire, and weather damage within residential properties in Utica, New York. This Renters Insurance Agent designs each policy to match the renter’s specific inventory and risk factors. Service runs on a one-time, scheduled, or as-needed basis for policy adjustments or claims assistance.
Based in Utica, NY, Good Move Insurance Co helps local residents secure coverage for personal belongings and liability protection. It offers specialty add-ons that extend beyond standard policies, such as coverage for high-value items like jewelry and electronics. The company serves individual renters and also works with commercial clients who need property and liability policies for their business operations. Its commercial sectors include offices, warehouses, and food service venues throughout the greater Utica area.
What Does a a Renters Insurance Agent in Utica Cost?
Renters insurance in New York typically costs between 15 and 30 dollars per month for a standard policy with 30,000 dollars in personal property coverage. In Utica rates may be slightly lower than in New York City but can vary based on the building age crime rates and your credit history. An agent can give you a personalized quote. This is general information and not insurance advice.
About renters insurance agents in Utica
Renters insurance agents in Utica New York help tenants find policies that protect personal belongings and provide liability coverage. New York law does not require renters insurance but many landlords in Utica now ask for proof of coverage in lease agreements. An agent can explain how local factors like severe winter weather and older building construction affect your policy needs.
Frequently Asked Questions
What does a renters insurance agent in Utica do?
A renters insurance agent in Utica helps you compare policies from different insurance companies. They explain coverage limits deductibles and exclusions specific to New York. The agent can also help you adjust your policy if you move or acquire valuable items.
Is renters insurance required by law in New York?
No New York state law does not require renters insurance. However many landlords in Utica include a clause in the lease that requires tenants to carry a policy. An agent can help you meet that requirement without overpaying.
How does New York law affect renters insurance claims?
New York has a six year statute of limitations for breach of contract claims including insurance disputes. If you have a claim your agent can guide you through the process and help you understand your rights under New York insurance regulations. Prompt reporting of damage is important to avoid denial.
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