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2024

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Best Homeowners Insurance Agencies in Syracuse, NY

Our Recommended Top 10

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

88Reviewed

56Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

225 W Manlius St 2, East Syracuse, NY 13057

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Syracuse Insurance Agency, Inc helps protect Syracuse homeowners, their property, and loved ones from disasters and accidents. It is a full-service homeowners' insurance agency that guides clients as they avail policies and insurance coverage to safeguard houses, other structures within the property, and personal belongings with the home. Policies can cover damage from fires, thefts, or vandalism. It also offers liability protection and medical coverage options to aid clients in paying for guests' injuries in the home.

  • Personal Property Insurance
  • Multiple Policy Types

101 Cayuga Street, Fulton, NY 13069

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)
Yelp
2.0 (1)

Why choose this provider?

Eastern Shore Associates Insurance Agency was founded in 1986 by a group of independent agencies near Syracuse to help customers find the right insurance coverage. It offers home insurance policies that cover damage to dwellings, personal possessions from theft, and liability for injuries on the property. The agency has insurance packages that protect farm and ranch homes, outbuildings, machinery, crops, and livestock against fire and other disasters. Eastern Shore Insurance also provides coverage for special events, autos, and pets.

  • Multiple Policy Types

906 Spencer Street, Syracuse, NY 13204

Expertise.com Rating

Review Sources

Google
4.9 (65)
Facebook
5.0 (30)
Yelp
5.0 (1)

Why choose this provider?

Founded in 1983, the Delmonico Insurance Agency is a full-service independent insurance agency helping individuals and families in Syracuse with their homeowners' insurance needs. The seven-generation family business helps clients to secure the right insurance rates and products. Clients need a specialty dwelling policy to insure rental properties or unoccupied homes. Its 50-person team finds insurance deals by connecting to multiple carriers. The company's second office is located in Skaneateles.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

708 West Belden Avenue, Syracuse, NY 13204

Expertise.com Rating

Review Sources

Facebook
5.0 (37)
Google
4.7 (15)
Yelp
5.0 (1)

Why choose this provider?

Steve Donigan Insurance Agency, Inc., is a team of insurance professionals that assists residents in Syracuse. The company creates various insurance plans for clients, including homeowners' insurance. The agents provide homeowners with insurance plans that are designed as package policies. Package policies include compensation for property damage, as well as expenses for physical and property damage that the homeowner is liable for. Apart from personal insurance, the company also offers commercial and workers' compensation insurance.

  • Renter's Insurance
  • Flood
  • Earthquake

202 N Center St, East Syracuse, NY 13057

Expertise.com Rating

Review Sources

Google
5.0 (400)
Facebook
4.8 (49)
Yelp
5.0 (2)

Why choose this provider?

Established in 1952, Crowley Insurance Agency is an independent insurance agency serving the needs of clients in the Syracuse and East Syracuse areas. The agency offers a wide variety of personal and commercial insurance policies, including homeowners' insurance. The homeowners' insurance it offers protects its clients from financial losses due to vandalism, theft, hail, smoke, or fire. It also protects the clients from liability in case someone is injured inside their homes.

  • Multiple Policy Types

2005 West Genesee Street, Syracuse, NY 13219

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Ellis, Moreland & Ellis is a locally-owned multi-line insurance agency offering homeowners policies to clients in Syracuse. Founded in 1877, the company offers plans covering either common hazards such as hail, fire, smoke, theft, and vandalism or specified losses only. Its policies secure select personal belongings, additional living expenses, personal liability, and medical expenses for parties injured within a client's dwelling. Ellis, Moreland & Ellis also counsels clients on how to optimize their insurance, from making a house inventory to considering supplemental coverage.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

225 West Manlius Street, East Syracuse, NY 13057

Expertise.com Rating

Review Sources

Google
4.5 (24)

Why choose this provider?

Affordable McLaughlin Kehoe Insurance Agency is a second-generation, family-owned, and family-operated insurance agency in Syracuse that provides insurance options and financial solutions to individuals and businesses. It represents various insurance companies and offers home insurance to property owners seeking coverage. The policy provides financial protection against disasters and unfortunate events such as storms, fire disasters, and theft and vandalism. It also covers the medical expenses for guests who are injured inside the client's home.

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

440 South Warren Street, Syracuse, NY 13202

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Parsons & Associates Inc. caters to the insurance needs of homeowners and business property owners in Syracuse and the surrounding areas. Its homeowners' insurance policies provide financial protection for the clients' property and personal belongings in the unfortunate event of covered disasters. The policy also protects the clients and their families from legal responsibility for any injuries and property damage caused to other people. The company has been in the insurance industry since 1930.

  • Personal Property Insurance
  • Renter's Insurance

1025 Brixton Drive, Macedon, NY 14502

Expertise.com Rating

Why choose this provider?

Russell Insurance Group is an independent agency that offers a variety of insurance services to customers in Syracuse and surrounding areas. It offers free quotes on home insurance that covers the replacement costs of personal property lost in a fire or some other disaster. For apartment renters, the agency has insurance to protect their possessions against fire, theft, and vandalism. Russell Insurance also provides insurance coverage for autos, motorcycles, boats, and worker's compensation.

  • Multiple Policy Types

3426 Burnet Avenue, Syracuse, NY 13206

Expertise.com Rating

Review Sources

Google
4.6 (22)
Facebook
5.0 (1)

Why choose this provider?

David Kresge is a State Farm insurance agent who offers homeowners coverage for clients in Syracuse. Beyond securing costs for home repairs or replacements, the company's home insurance program covers select personal belongings, including keepsakes, hobby items, and gardening equipment. It also covers hazards from natural disasters such as wind or hail to sudden instances of fire, theft, and vandalism. A State Farm agent since 2008, David offers other lines of coverage, including auto, life, and health.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Syracuse Insurance Agency, Inc.
225 W Manlius St 2, East Syracuse, NY 13057
Eastern Shore Associates Insurance Agency
101 Cayuga Street, Fulton, NY 13069
Delmonico Insurance Agency
906 Spencer Street, Syracuse, NY 13204
Steve Donigan Agency, Inc. Insurance
708 West Belden Avenue, Syracuse, NY 13204
Crowley Insurance Agency
202 N Center St, East Syracuse, NY 13057
Ellis, Moreland & Ellis
2005 West Genesee Street, Syracuse, NY 13219
Affordable McLaughlin Kehoe Insurance Agency
225 West Manlius Street, East Syracuse, NY 13057
Parsons & Associates Inc
440 South Warren Street, Syracuse, NY 13202
Russell Insurance Group
1025 Brixton Drive, Macedon, NY 14502
David Kresge - State Farm Insurance Agent
3426 Burnet Avenue, Syracuse, NY 13206

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.
  • Should Syracuse residents consider coastal homeowners insurance?

    The need for coastal homeowners insurance in Syracuse differs by location; for homes within three miles of the coastline, a high-risk area, you're required to have this insurance. Though insurers set varied mandates, it's smart to analyze prior flood claims to gauge threats. Residents must ensure they're shielded by maximizing affordable coverage if they're close to these zones.

  • How does having a pet impact homeowners insurance premiums in Syracuse?

    In Syracuse, the presence of pets, particularly large breeds perceived as risky, can lead to increased premiums. Some insurance companies might even opt out of offering coverage if they assess a greater risk of injuries or fatalities due to aggressive animals. A homeowner should anticipate potential insurance constraints or elevated charges when they have an animal falling into such categories.

  • What type of homeowners insurance should historic property owners in Syracuse consider?

    Owners of historic properties in Syracuse should seriously contemplate specialized coverage to ensure that their home's true value and features are well-protected. Historic homes often possess unique characteristics like original hardwood or stained glass, which standard homeowners insurance might not fully cover. While typical insurance may offer some protection, a historic home insurance plan is tailored to safeguard the distinct characteristics and value inherent to such residences.

  • Will a standard homeowners insurance policy in Syracuse cover damages caused by ice dams?

    While a standard HO-3 homeowners insurance policy in Syracuse doesn't explicitly mention ice dam coverage, insurers usually classify it under the "weight of ice and snow"—a peril covered by such policies. This implies that if an ice dam results in a roof collapse, the insurance might aid in covering repair costs. Moreover, if this collapse harms personal items inside, the insurance is likely to assist in replacing those belongings.

  • How does a drone's usage determine its eligibility for coverage under standard homeowner's insurance policies in Syracuse?

    Homeowners who operate their drones primarily as hobbyist aircraft often find their devices safeguarded by standard homeowners insurance in Syracuse. Conversely, drones employed for business tasks aren't typically protected by these policies. However, if the policy covers drones, it'll likely shield against predominant risks like theft or fire. The extensive HO-5 homeowners policy, notably, defends against nearly all risks unless they're specifically omitted.

  • 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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