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2024

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Best Homeowners Insurance Agencies in New Rochelle, NY

Our Recommended Top 14

We did the research for you!

  • Licensing
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Our goal is to connect people with the best local professionals. We scored New Rochelle Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

58Reviewed

40Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2525 Palmer Ave, Suite 1, New Rochelle, NY 10801

Expertise.com Rating

Review Sources

Google
4.9 (42)
Facebook
5.0 (11)
Yelp
3.5 (5)

Why choose this provider?

Marenco Insurance specializes in personal and business insurance. It has been serving clients in New Rochelle and throughout New York since 1961. Three generations of the Marenco family have passed through the agency, which now extends its services and caters to clients throughout Connecticut, New Jersey, and Florida. The firm has built longstanding relationships with reputable insurance companies, offering its resources to help customers find the right coverages. Being an independent agency allows Marenco to bring consumers the power of choice, whether choosing homeowners' insurance or automobile policies.

  • Multiple Carriers
  • Multiple Policy Types

27 Cleveland Street, Valhalla, NY 10595

Expertise.com Rating

Why choose this provider?

Keep Insurance Agency is an independent insurance company that has been in operation near New Rochelle for over 35 years. The company offers homeowners insurance plans that cover the home's structure, secondary buildings on the property, and the client's belongings inside the home. Its packages also protect the policyholder from being sued by visitors who were injured while inside. Additionally, the agency sells motorcycle, workers' compensation, boat, and commercial insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

128 Court Street, White Plains, NY 10601

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

Morrell Insurance is a Trusted Choice independent insurance agency that has been serving the residents of New Rochelle and the nearby areas for over 100 years. The company's team sells homeowners insurance packages that cover damage to the house, as well as stolen and damaged belongings, such as jewelry and fine art. The team also has add-ons to its homeowners insurance. Additionally, the company offers auto, umbrella, and business coverage.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

814 West Beech Street, Long Beach, NY 11561

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Filos Agency Inc. is an independently owned and operated insurance company serving the New Rochelle community. The agency works with a variety of providers, such as Progressive, MetLife Auto & Home, and The Hartford. Its team helps clients search for and purchase homeowners insurance packages that are tailored to the specific needs of their homes. The team also sells insurance to cover clients' rental properties, recreational vehicles, pets, offices, and restaurants.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

176-51 Union Turnpike, Flushing, NY 11366

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Laura Browne is a State Farm insurance agent who has been working with the residents of New Rochelle for over 15 years. The agent sells policies that cover the costs of repairs for clients' homes that have been damaged by storms, fire, and sinkholes. She also offers packages for clients who rent their homes. Additionally, Browne has experience selling insurance to cover clients' recreational vehicles, motorcycles, all-terrain vehicles, and businesses.

  • Multiple Policy Types

44 South Broadway, White Plains, NY 10601

Expertise.com Rating

Review Sources

Facebook
4.4 (85)

Why choose this provider?

Pure Insurance is an independent insurance company working with the residents of New Rochelle and the nearby areas. The company's CEO, Ross Buchmueller, has been working in the insurance industry for more than 30 years, and his team sells insurance coverage for high-value homes. The team also offers packages that protect valuable assets within the home, such as fine art and jewelry. Additionally, Pure Insurance has policies for motor vehicles.

  • Flood
  • Multiple Policy Types

135 Crossways Park Drive, Woodbury, NY 11797

Expertise.com Rating

Review Sources

Google
4.6 (26)
Facebook
5.0 (3)

Why choose this provider?

SterlingRisk Insurance is an independent insurance agency working with the people of New Rochelle and the nearby areas. The company sells homeowners insurance plans that cover the property in the event of natural disasters, such as storms and fires, as well as vandalism. Its packages also cover medical expenses for people who were injured while visiting the property. SterlingRisk Insurance is affiliated with the National Association of Professional Insurance Agents.

  • Personal Property Insurance

200 Broadhollow Road, Melville, NY 11747

Expertise.com Rating

Review Sources

Google
4.9 (79)
Facebook
5.0 (19)

Why choose this provider?

ASAP Insurance Brokerage is an independently owned and operated insurance agency working with the residents of New Rochelle. The company represents a number of insurance providers, such as Chubb Insurance, Progressive, and Allianz. Its team provides clients with a variety of options to personalize their homeowners insurance. It sells packages that cover the property in the event of vandalism and natural disasters. Additionally, the agency offers auto and business insurance.

  • Renter's Insurance
  • Multiple Policy Types

200 Business Park Drive, Armonk, NY 10504

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Avanti Associates offers property damage coverage to homeowners in New Rochelle. Beyond securing repair costs for a client's dwelling, the company's offered policies include select personal belongings, liability protection, and medical expenses for injured parties. It covers losses from common hazards such as fires, theft, and vandalism. An independent insurance agency, Avanti Associates also counsels clients on factors that affect their policy decisions, including the scope of their coverage, the cost of rebuilding, and filing a claim.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

680 Main Street, New Rochelle, NY 10801

Expertise.com Rating

Review Sources

Google
4.2 (16)

Why choose this provider?

WISE Center Inc. is an independent insurance agency serving the New Rochelle area. The company has been in the business for over 30 years. It provides a wide range of insurance options including homeowners' insurance, auto insurance, and commercial insurance. The company's team of insurance agents supplies each client with the policy that best suits their needs. They evaluate each client's unique circumstances and preferences. WISE Center Inc. offers its services in a variety of languages.

  • Multiple Policy Types

14 Front Street, Hempstead, NY 11550

Expertise.com Rating

Review Sources

Google
5.0 (215)
Yelp
5.0 (6)
Facebook
5.0 (3)

Why choose this provider?

Remco Agency is a personal and business insurance agency working with the people of New Rochelle and the nearby cities. The company's team has been working in the insurance industry for over 30 years, and it sells homeowners packages that include property damage, personal injury liability, and lost belonging coverage. The plan also covers the cost of temporary relocation for displaced policyholders. Additionally, the agency offers life and business insurance.

  • Personal Property Insurance
  • Multiple Policy Types

1981 Marcus Avenue, Lake Success, NY 11042

Expertise.com Rating

Review Sources

Google
4.3 (6)
Yelp
5.0 (2)

Why choose this provider?

SCS Agency Insurance is a family-owned and operated insurance company serving the residents of New Rochelle and the nearby cities. The company sells insurance packages for clients' homes that cover condos, apartments, houses, and rental properties. As an independently owned agency, it maintains relationships with a variety of insurance providers in order to help clients build customized insurance plans. SCS Agency Insurance has been serving the community for over 90 years.

  • Multiple Policy Types

405 North Ave, New Rochelle, NY 10801

Expertise.com Rating

Review Sources

Google
5.0 (21)

Why choose this provider?

Brightway Insurance is a homeowners' insurance agency serving the New Rochelle area. As an independent agency, it represents several insurance carriers to help meet the unique needs of its clientele. Agents from the company take time to get to know each client in order to determine and suggest the right policy. They help protect a client's home when it comes to damages due to fire, hail, or theft. The company also caters to Spanish-speaking clients.

  • Multiple Policy Types

727 Fulton Ave, Hempstead, NY 11550

Expertise.com Rating

Review Sources

Google
4.9 (46)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Danny Trujillo is an insurance agent working with State Farm Insurance who serves the community of New Rochelle. The agent offers homeowners insurance policies to cover the costs of repairs for clients' homes that have been damaged due to vandalism and natural disasters, such as fires and storms. He also sells insurance packages for motor vehicles, businesses, and health care. Trujillo speaks and reads fluently in both English and Spanish.

  • Condos
  • Renter's Insurance
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Marenco Insurance
2525 Palmer Ave, Suite 1, New Rochelle, NY 10801
Keep Insurance Agency
27 Cleveland Street, Valhalla, NY 10595
Morrell Insurance
128 Court Street, White Plains, NY 10601
Filos Agency Inc
814 West Beech Street, Long Beach, NY 11561
Laura Browne - State Farm Insurance Agent
176-51 Union Turnpike, Flushing, NY 11366
Pure Insurance
44 South Broadway, White Plains, NY 10601
SterlingRisk Insurance
135 Crossways Park Drive, Woodbury, NY 11797
ASAP Insurance Brokerage
200 Broadhollow Road, Melville, NY 11747
Avanti Associates
200 Business Park Drive, Armonk, NY 10504
WISE Center Inc.
680 Main Street, New Rochelle, NY 10801
Remco Agency
14 Front Street, Hempstead, NY 11550
SCS Agency Insurance
1981 Marcus Avenue, Lake Success, NY 11042
Brightway Insurance
405 North Ave, New Rochelle, NY 10801
Danny Trujillo - State Farm Insurance Agent
727 Fulton Ave, Hempstead, NY 11550

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • In New Rochelle, is it worth it to get flood insurance on top of your existing homeowners policy, and what is the average cost?

    Standard homeowners' insurance in New Rochelle does not cover flood damage, so purchasing additional flood insurance ahead of time is essential and worthwhile, even if the average cost through the NFIP is $1,219.76. New York has historically faced flooding issues, and delaying insurance until imminent flood threats often leads to regrets, as insurers typically impose a 10- to 30-day waiting period before a new flood policy takes effect.

  • How does homeowners insurance in New Rochelle handle coverage for computers, especially when used for business purposes?

    Personal-use home computers typically fall under personal property limits in New Rochelle, but some insurers set separate computer limits. When used for business purposes, the coverage is limited to $2,500. Additional endorsements on business laptops may be considered for enhanced coverage. Notably, the location of a loss affects compensation: at home, the limit is $2,500, whereas off-site losses are limited to $500. For specifics, always consult your insurer.

  • In New Rochelle, how does a non-smoking household affect homeowners insurance rates?

    Because of the lower risk of accidental fires in New Rochelle, insurers may offer lower rates to households without smokers. Non-smoking homeowners may be eligible for a 5 to 20% discount on their insurance. To be eligible for these savings, all residents of the home must be non-smokers. It is prudent to inform your insurance provider of your non-smoking status in order to take advantage of any available discounts.

  • How do New Rochelle homeowners insurance policies handle liability protection for daycare services provided at one's home?

    In New Rochelle, homeowners policies limit liability for specific daycare activities. Coverage applies when watching one or two children in a non-monetary service exchange. However, if these services are paid for, they are considered a business, necessitating additional coverage. Some insurers may provide up to six children with daycare coverage, billing per child based on existing personal liability limits. Because premiums vary by company, it is best to seek detailed information from your insurer.

  • How does equipment breakdown coverage in a homeowners' insurance policy in New Rochelle compare to purchasing a home warranty, and what devices are covered?

    Equipment breakdown coverage in New Rochelle is not the same as a home warranty. The former is an add-on to a homeowner's policy, whereas the latter is sold by warranty-specific companies. Home warranties are typically more expensive and have specific equipment limits. Equipment breakdown endorsements, on the other hand, cover a wide range of devices, including HVAC systems, computers, appliances such as refrigerators and their contents, and even sump pumps, to name a few.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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