Expertise.com Homepage

2025

Last updated:

Best Homeowners Insurance Agencies in Rochester, NY

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Rochester 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.

126Reviewed

79Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Rochester
2280 East Avenue, Rochester, NY 14610

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Bailey Place Insurance is a homeowners insurance agency in Rochester. It consults clients to find out their needs and offers them homeowners insurance policies that provide protection in case clients lose their homes or become victims of burglary or vandalism. Its policies can cover replacement costs of entire dwellings as well as any medical or living costs following disasters. Bailey Place Insurance provides clients with a full range of services for business insurance needs as well.

  • Multiple Policy Types
  • Flood
  • Condos

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Vanner Insurance Agency offers homeowners insurance to clients and can assist them as they shop for quotes and select policies that fit their lives. Policies are available to cover incidents such as fire, weather damage, vandalism, or accidental damage. Clients can also insure personal items such as jewelry or pieces of fine art. Vanner Insurance Agency consults clients on personal injury protection to cover them in case guests file suit after being hurt on their properties.

  • Multiple Policy Types
  • Fire

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Facebook
4.5 (12)

Why choose this provider?

Jim Corley, State Farm Insurance Agent, provides homeowners insurance services to clients in the Rochester metro area. This office and its founder have served clients since 2004 and help people to cover their property liabilities by selling them insurance plans that protect against losses caused by property damage or guest injuries. This particular office works with many newer homeowners and helps them to avoid a variety of insurance pitfalls. Auto insurance is available as well.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester
30 Union Street North, Rochester, NY 14607

Expertise.com Rating

Review Sources

Google
5.0 (18)
Yelp
3.0 (2)

Why choose this provider?

Lawley is a homeowners insurance agency in Rochester offering several policy options to potential clients. Its agents act as consultants for clients and advise them on their insurance options while evaluating their unique needs. This agency sells homeowners insurance policies that cover repair and replacement costs for any structural or external damage caused to properties. Its policies can also shield clients from financial liability if they're sued for any guest injuries on their properties.

  • Condos
  • Flood

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

The Getzoni Agency Inc. offers comprehensive homeowners insurance services to clients in the Rochester metro area. Its agents provide information to clients who are shopping for insurance and evaluates their circumstances to advise them on the types of coverage they need and in what amounts. This agency has over 40 years of experience and can consult clients on a wide range of coverage types for dwellings, personal property, or any other kinds of personal liability incurred by property owners.

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

Best Homeowners Insurance Agencies Serving Rochester
3720 Main Street, Walworth, NY 14568

Expertise.com Rating

Review Sources

Google
4.4 (5)

Why choose this provider?

Eastern Shore Associates Insurance Agency sells homeowners insurance policies that cover dwelling damage, material replacement costs, and costs associated with living outside of damaged homes. Agents are available to explain policy options to clients and help them select from offered quotes. They also advise on personal liability coverage and can assess the likelihood of guest injury scenarios. Additional coverage options are available for high-value items, scenarios involving identity theft, and water back-up or sump-related issues.

  • Flood
  • Renter's Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Salanger & Hayward Insurance sells homeowners Insurance policies and can assist customers with any questions or concerns they have concerning coverage options. It offers quotes to insure housing structures themselves as well as liabilities connected to owning land. Agents are available to consult clients about policies and handle any claims that they make if their properties do experience damage. Salanger & Hayward Insurance also sells car insurance, life insurance, and business insurance policies.

  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Facebook
4.1 (51)
Yelp
5.0 (1)

Why choose this provider?

Willoughby Insurance offers coverage for single-family homes and condominiums, and it assists clients as they attempt to purchase policies. It offers a multitude of policy options so that clients can purchase complete coverage for their homes, their possessions, and other structures on their properties. Willoughby Insurance also provides renters insurance options so that clients can cover a wider range of needs. Auto insurance and motorcycle insurance policies are available as well.

  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Rochester
Rochester, NY

Expertise.com Rating

Review Sources

Facebook
4.9 (62)

Why choose this provider?

Crowley Insurance Agency sells homeowners insurance policies and operates as an independent agency. It connects clients with associated carriers to sell them policies that include coverage for dwellings, personal items, and additional properties. Loss of use and medical expense coverage is offered as well. Crowley Insurance Agency also advises clients on family and personal liability coverage to protect them against lawsuits if visitors are hurt on their grounds. Scheduled personal property coverage is available for jewelry and other valuable items.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Bailey Place Insurance
2280 East Avenue, Rochester, NY 14610
Vanner Insurance Agency
Rochester, NY
Jim Corley - State Farm Insurance Agent
Rochester, NY
Lawley Andolina Verdi
30 Union Street North, Rochester, NY 14607
The Getzoni Agency Inc
Rochester, NY
Eastern Shore Associates Insurance Agency
3720 Main Street, Walworth, NY 14568
Salanger & Hayward Insurance
Rochester, NY
Willoughby Insurance
Rochester, NY
Crowley Insurance Agency
Rochester, NY

Rochester, NY Homeowners Insurance Agency FAQs

  • Is it expensive to get homeowners' insurance in Rochester?

    In Rochester, homeowners' insurance costs $945 per year, which is nearly half the national average of $1,820. This is also less than other cities in the state, such as New York ($2,065) and Far Rockaway ($1,940). However, the rate you can ultimately obtain is also determined by your credit score. If you have a poor credit history, you may have to pay more, on average around $2000 per year, than if you have good credit.

  • Is there a type of damage that cannot be covered by standard homeowners' insurance in Rochester?

    It would depend on the type of policy. Standard homeowners' insurance does not cover damage caused by wars, nuclear accidents, floods, or earthquakes. Losses resulting from normal wear and tear, as well as intentional actions, may not be covered. To obtain the necessary protection, the Rochester homeowner must purchase a separate policy or purchase additional coverage.

  • Are there different types of homeowners' insurance in Rochester?

    There are various types of homeowners insurance in Rochester, including basic, comprehensive, special, and broad-form policies. The basic policy is the most basic and covers some natural disasters, explosions, and civil commotion, whereas the comprehensive policy provides the most comprehensive level of coverage. Special and broad-form policies differ in that the latter covers only the events expressly specified, whereas the former covers everything except those specified in the policy. Furthermore, homeowners' insurance is available based on property type, which can include mobile homes, condo units, or older homes.

  • Is a shed covered by a homeowners' insurance policy in Rochester?

    In Rochester, a basic homeowners policy does not include coverage for detached structures. Structures like sheds, detached garages, gazebos, pools, and fences fit this category. The insured must add other structures coverage to their policy for protection, and the perils covered by this endorsement are similar to those in the primary policy.

  • Does liability protection in a homeowners' insurance policy in Rochester cover lawsuit expenses?

    Yes, liability coverage in a homeowner's insurance policy covers lawsuit expenses such as court fees, lawyer's bills, and court-ordered payment requirements. It provides financial protection for property damage or bodily injury caused by the policyholder and their family in Rochester. However, the coverage will be limited to the policy limit. Liability coverage limits are typically set at $100,000.

Related Articles

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2025

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.