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Best Homeowners Insurance Agencies in Albany

2024

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Providers

Last updated:

Website
457 New York 146, Clifton Park, NY 12065
  • Multiple Policy Types

Why choose this provider?

Capital Gate Insurance Group is an insurance company serving clients in and around Albany. It offers all types of homeowners insurance policies, including insurance for houses that protects the client from a variety of potentially catastrophic situations, insurance for condos that can complement the existing condo association policy, and insurance for renters that protects property from theft or vandalism. Capital Gate Insurance Group partners with more than 25 insurance companies to provide a suitable offer for every client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (33)
Facebook
4.9 / 5 (19)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1881 Western Avenue, Albany, NY 12203
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Twin Bridges Insurance Agency, Inc., is a full-service insurance firm that serves the Albany metro area and nearby communities. The company assists private residence owners in evaluating their needs and requirements for homeowners' insurance coverage. Its agents provide several options from various carriers of homeowners' insurance policies. They also guide customers in choosing the best insurance policy suitable for their needs. Other products include renters, auto, life, and commercial insurance. The company also serves clients in Saratoga Springs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4 Avis Drive, Latham, NY 12110
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Empire Region Insurance Agency is a full-service agency and offers its services to customers in Albany and the surrounding areas. The firm, which was established in 2010, helps homeowners find the right insurance policy to protect their residential properties and investments. Empire Region Insurance Agency works with insurance carriers who can provide coverage for the structure, personal belongings and possessions, and the liability that comes with homeownership. The agency also has other types of insurance available, including vehicle, business, and even umbrella insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.3 / 5 (6)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1807 Western Avenue, Albany, NY 12203
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

The Murray Group Insurance & Financial Services is an Albany-based insurance agency that specializes in home insurance. It comprises risk advisors who aim to create custom home insurance plans that match the personal needs of clients. Its homeowners' insurance program protects clients from various risks such as property damage, additional living expenses, personal liability, off-premises theft, and medical expenses. The Murray Group Insurance & Financial Services also offers insurance plans for off-road vehicles, motorcycles, renters, condo owners, and valuable possessions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
5.0 / 5 (17)
Yelp
2.6 / 5 (6)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
467 Troy Schenectady Road, Latham, NY 12110
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Dinsmore Insurance Agency Inc. is an independent broker near Albany that can source products from some of the biggest insurers in the business for its clients, such as Travelers and Progressive. The brokers discuss requirements with each client, find the products, and tailor them to fit the client's needs and budget. Additionally, they can help file a claim and offer other forms of insurance, such as renters, auto, and wedding.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1924 Western Avenue, Albany, NY 12203
  • Personal Property Insurance

Why choose this provider?

Ten Eyck Group Insurance is an Albany-based brokerage that's been helping its clients find the best coverage for their needs since 1905. It's partnered with some of the industry's most respected carriers to offer clients a choice of products that can be tailored. These include products from Chubb, CNA, and BlueShield. Its agents analyze each clients' unique requirements and source the best products that fall within their budgets. The brokers also specialize in renters insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (91)
Google
5.0 / 5 (57)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
18 Computer Drive West, Albany, NY 12205
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

V. Mathis Insurance Agency helps clients in the Albany area secure financial protection for their homes and tangible assets. The agency offers support in determining insurance policies that cover replacement costs for damages and losses sustained during covered disastrous events such as fire incidents. V. Mathis Insurance Agency caters to both owners and renters of residential properties including houses and apartments. The firm is headed by Vernard Mathis, who has been catering to clients' insurance needs since 2009.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1745 Central Avenue, Albany, NY 12205
  • Multiple Policy Types

Why choose this provider?

John Capobianco is a State Farm Insurance Agent in Albany who has been helping homeowners get the best coverage they can within their budgets since 1981. The licensed agent discusses a wide range of options with his clients to ensure they have covered all bases in regards to the coverage they need. In addition to standard coverage, such as structural damage, this could also include the costs of temporarily relocating if their home is uninhabitable.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (7)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
431 New Scotland Avenue, Albany, NY 12208
  • Renter's Insurance

Why choose this provider?

Rob Field is a State Farm insurance agent who has been servicing Albany since 2010. Field presents homeowners' insurance coverages with transparency in keeping with the State Farm value of integrity. Through Field's knowledge, clients can determine their properties' and assets' replacement value and their coverage and limitations. Homeowners' insurance protects losses from wind, hail, or lightning and damages due to snow and ice sheets. Random acts such as vandalism or theft are also included. Field is accessible 24 hours a day.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (84)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
209 Lark Street, Albany, NY 12210
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Brick House Insurance Agency is an independent insurance firm serving residents of Albany and the surrounding areas. It offers comprehensive homeowners' insurance policies and has a team of expert agents experienced in structuring fool-proof policies. Clients can input the general information and requirements for the homeowners' insurance coverage they need on the agency website and receive basic quotes immediately. It also provides other insurance products, such as wedding, auto, life and financial, business, travel, and recreational insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
19 Colvin Avenue, Albany, NY 12206
  • Multiple Policy Types

Why choose this provider?

Apple Auto Agency serves homeowners in Albany and the surrounding communities. The homeowners insurance agency offers policies protecting clients' homes from damages caused by calamities and accidents such as fires, floods, or earthquakes. It also has coverage options that pay for the replacement of damaged or lost property from theft. The agency also protects its clients and their families through liability coverages. Apple Auto Agency has been offering insurance services since 1991.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.4 / 5 (25)
Facebook
3.0 / 5 (2)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.
  • Can Albany residents choose their own homeowners’ insurance?

    Residential property owners in Albany can select their homeowners’ insurance provider and policy based on their needs and preferences. However, mortgage lenders require homeowners to purchase a policy with specific coverage limits, which must be upheld throughout the mortgage's duration. Nevertheless, homeowner insurance is beneficial because it can pay for the costs of damage to your house, such as fire, theft, vandalism, bad weather, and legal fees from liability cases.

  • How much is homeowners’ insurance in Albany?

    The average cost of homeowners' insurance in Albany is approximately $1,025 annually, which is equivalent to $85 per month. This positions the city's home insurance costs roughly 8% below the New York state average of $1,114 per year and nearly 42% lower than the national yearly average of $1,754.

  • What are the different homeowners’ insurance policy options for Albany residents?

    Homeowners in Albany come across conventional home insurance policies that provide protection against fundamental risks like theft and water damage. You can enhance this coverage for particular hazards, such as natural disasters, through supplementary modifications. There are also insurance options for older properties and policies designed by the homeowner's association to cover condominiums and co-ops.

  • Is there a penalty for canceling a current homeowners’ insurance coverage mid-term in Albany?

    Some insurance providers do not assess penalties for Albany homeowners who cancel their current coverage mid-term. They might also receive a refund from their previous insurer calculated proportionally based on the number of unused coverage days they had paid for. However, some insurers impose penalties that depend on the terms outlined in homeowners’ insurance policies and state laws.

  • What factors influence the homeowners’ insurance cost in Albany?

    The cost of homeowners' insurance in Albany is influenced by various factors, including the size of the house, the year it was built, and the materials used in its construction. In addition, the cost of homeowners' insurance in the area can be determined by the type of home being insured, the crime rate in the area, and the weather risks in the vicinity of the property.

  • 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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