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2024

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Best Renter's Insurance Companies 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 Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

84Reviewed

54Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

448 Titus Ave., Rochester, NY 14617
WebsiteLicense: 1432021

Expertise.com Rating

Why choose this provider?

Flanagan Mills Agency offers a wide selection of insurance solutions to individuals, families, and business owners in Rochester and nearby communities. Since 2015, it has been providing renters and homeowners with insurance options tailored to their needs. Its renters' insurance protects clients from liability claims while they are renting. The policy also covers clients' personal property and belongings. The other insurance policies the agency offers include life, auto, and small business coverages. Owner Megan Mills has over 15 years of industry experience. 

  • Multiple Policy Types
  • Home and Auto Insurance

255 East Avenue Suite 300, Rochester, NY 14604
WebsiteLicense: 655636

Expertise.com Rating

Review Sources

Google
4.4 (42)
Facebook
5.0 (30)

Why choose this provider?

Paris Kirwan Associates, Inc. is a Rochester-based independent insurance agency that provides a wide range of insurance products and strategic problem-solving and account management services. The firm offers renters' insurance that covers damage to the tenant's personal belongings because of fire, theft, vandalism, explosion, and others. The company was established in 1926 and is affiliated with several carriers, including Erie and Niagara Insurance, The Main Street America Group, The Hanover Insurance Group, and Dryden Mutual Insurance Co.

  • Multiple Policy Types

1562 Dewey Ave, Rochester, NY 14615
WebsiteLicense: 724508

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.2 (5)

Why choose this provider?

Dougherty/Fuino Agency has been serving the renters' insurance needs of individuals, families, and business owners in and around Rochester since 1986. This family-owned and operated agency represents an extensive network of insurance carriers that offer financial protection in case of fire, accidents, natural disasters, or robbery while at home or when elsewhere. It also covers financial liability if a person gets injured on their premises. Other insurance products include homeowners', auto, and business insurance.

  • Home and Auto Insurance

320 N. Washington St., Rochester, NY 14625
WebsiteLicense: 1336015

Expertise.com Rating

Review Sources

Google
4.9 (182)
Facebook
5.0 (2)
Yelp
3.0 (2)

Why choose this provider?

Ryan Bush is a State Farm Insurance agent offering his services in Rochester and nearby locations. He opened his first State Farm office in 2013 to provide various insurance products and services, such as auto, home, life, pet, and renters' insurance. He and his team take a personalized approach in assisting individuals and businesses with their insurance needs. Bush is a Qualifier for the Ambassador Club and Senior Vice President Club. He is a volunteer for organizations such as Freshwise Farms and The Warming House.

  • Multiple Policy Types

120 Linden Oaks, Suite 150, Rochester, NY 14625
WebsiteLicense: 1330859

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.8 (6)

Why choose this provider?

HSM Insurance is an independent agency that serves clients in Rochester and surrounding areas. It offers renter's insurance policies to individuals who are currently renting their homes. It helps clients protect their items and temporary property from water damage, fire, thieves, and other threats. It has personal property coverage for any damage, liability coverage for accident risks, and other coverage options. This company has partnered with renter's insurance corporations to allow clients to find a policy suitable for their needs.

  • Home and Auto Insurance

3400 Monroe Ave Building 3, Unit 310, Rochester, NY 14618
WebsiteLicense: 1551506

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
5.0 (2)

Why choose this provider?

Elmwood Agency is an independent insurance provider that has been serving Rochester since 2019. The company offers rental property insurance that covers loss of possessions due to theft and damage caused by disasters and unforeseen circumstances. This helps to fill gaps in landowners' policies. In addition, Elmwood Agency offers a wide variety of product lines, including homeowners' condo, RV, investment property, and umbrella insurance. Its agents are also licensed to serve Texas and Florida customers.

  • Home and Auto Insurance

1597 W Ridge Rd Suite 201, Greece, NY 14615
WebsiteLicense: 633945

Expertise.com Rating

Review Sources

Google
4.9 (123)

Why choose this provider?

Barion Mills is an insurance agent who works with State Farm and serves clients in the Rochester area. He provides a range of insurance policies such as renters', home, health, pet, and life insurance to prepare policyholders for unexpected expenses and to make any accidental loss manageable for them. He also offers risk protection packages for banking, annuities, and commercial properties. Mills has been in the insurance industry for over 35 years, helping clients reduce their financial uncertainties.

  • Home and Auto Insurance

1978 Monroe Avenue, Rochester, NY 14618
WebsiteLicense: 829850

Expertise.com Rating

Review Sources

Google
5.0 (80)
Facebook
5.0 (6)

Why choose this provider?

Van C. Travis III is a full-service insurance agent with State Farm who serves individuals, families, and businesses in Rochester. Since joining the company 30 years ago, he has been helping clients with securing renters' insurance policies to obtain adequate financial protection for their personal belongings in case of fire, theft, or natural disasters. He can also arrange liability coverage to protect clients financially should there be an accident in their rented property. Travis and his team also offer insurance coverage for businesses, cars, and homes.

  • Multiple Policy Types

1880 E Ridge Rd, Ste 6, Rochester, NY 14622
WebsiteLicense: 941191

Expertise.com Rating

Review Sources

Google
4.6 (43)

Why choose this provider?

Trovato Associates provides insurance services to clients in Rochester and the surrounding areas. It guides individuals in applying for personal insurance products to protect themselves, their belongings, and loved ones. These insurance products include renters', homeowners', landlords, recreational vehicles, and auto policies. It also assists in handling commercial insurance products involving general liability, bonds, workers' compensation, excess surplus lines, and commercial properties. Trovato Associates is also available to help clients needing mortgage and vehicle change request services.

  • Home and Auto Insurance

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Flanagan Mills Agency
448 Titus Ave., Rochester, NY 14617
Paris Kirwan Associates, Inc.
255 East Avenue Suite 300, Rochester, NY 14604
Dougherty/Fuino Agency
1562 Dewey Ave, Rochester, NY 14615
Ryan Bush
320 N. Washington St., Rochester, NY 14625
HSM Insurance
120 Linden Oaks, Suite 150, Rochester, NY 14625
Elmwood Agency
3400 Monroe Ave Building 3, Unit 310, Rochester, NY 14618
Barion Mills
1597 W Ridge Rd Suite 201, Greece, NY 14615
Van C. Travis III
1978 Monroe Avenue, Rochester, NY 14618
Trovato Associates
1880 E Ridge Rd, Ste 6, Rochester, NY 14622

FAQs

  • What does the personal property coverage of your renters' insurance in Rochester cover?

    If a covered calamity damages your clothing, furniture, gadgets, artwork,  jewelry, and more, it will cover it. The portion of your renters' insurance in Rochester that provides financial protection for the items inside and outside of your home is known as personal property coverage. Liability coverage is another feature of your renters' insurance that covers you from legal fees in the event that someone is harmed on your land.

  • Does the property attributes of your rental unit affect the cost of your renters' insurance in Rochester?

    Because of the aging construction and increasing wear and tear of the property, renters in older rental houses in Rochester may pay higher rates in the event that property loss occurs. On the other hand, buildings equipped with fire sprinklers and burglar alarms may be able to receive discounted rates.

  • In a Rochester renters' insurance policy, what does the word "peril" mean?

    In a Rochester renters' insurance policy, the term "peril" pertains to a particular risk or reason for loss. Basic renters' insurance policies often include named perils, but open perils will insure you against any incident not specified. If you reside in a region where natural disasters occur more frequently than in other parts of the nation, you might consider setting up an open-peril policy.

  • If you own a pet in Rochester, should you purchase renters' insurance?

    If you are a pet owner in Rochester, you should get renters' insurance. Even though it's unlikely, pets can bite people. Legal costs, medical expenses, and any compensation are all covered if you have insurance, up to the limits of your plan. However, if your pet damages any of your personal items, like a couch or bed, your renters' insurance will not cover it.

  • Are your watches covered by your renters' insurance in Rochester?

    Similar to jewelry pieces, watches are covered by renters' insurance in Rochester. To find out how much coverage you have on valuables like watches and jewelry, you should speak with your agent. You can also read and evaluate your policy's personal property coverage to determine your policy's limits when it comes to watches.

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