Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Schenectady

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 Schenectady 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.

45

Reviewed

30

Curated

9

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1566 State Street, Schenectady, NY 12304
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Why choose this provider?

John R. Zongrone Agency, Inc., is a full-service insurance company that has been serving the Schenectady metro area and nearby communities for more than 60 years. Established in 1959, the firm assists private homeowners in choosing the right insurance policy that can adequately protect their homes, personal belongings, and liabilities against future hazards. Its agents evaluate the coverage needs of clients and provide personalized insurance plans while working with different carriers. Other services include personal, business and commercial, and employee benefits insurance. The company is a member of the Albany Executives Association.

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
Google
4.4 / 5 (35)

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
98 Railroad Street, Mechanicville, NY 12118
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

John Carriero & Son Inc. was founded in 1924 to provide homeowners and businesses in and around Schenectady with a wide range of insurance products and services. It has various home insurance policies for customers to choose from that covers homes, personal belongings, and any bodily injuries to other people. Homeowners can purchase additional coverage for expensive jewelry, heirlooms, and living expenses. John Carriero & Son also insure motorhomes, boats, autos, motorcycles, and vacant properties.

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1584 Union Street, Schenectady, NY 12309
  • Multiple Policy Types

Why choose this provider?

Prime Group Insurance Agency Inc. is a home and auto insurance solutions provider that services the Schenectady metro. The agency offers homeowners' insurance policies to clients seeking to protect their properties from unexpected hazards, damages, and losses. The policies cover both external and internal contents of the home and will pay for damage caused by most types of natural disasters. It also covers losses for break-ins, theft, and vandalism that are beyond the client's control.

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 (5)
Facebook
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
2330 Broadway, Schenectady, NY 12306
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Hopmeier Evans Gage Agency helps homeowners around Schenectady that seek assistance in settling insurance claims for losses or damages. The firm helps clients identify suitable coverage options for homes damaged or destroyed by fire, smoke, hail, or falling objects. Hopmeier Evans Gage Agency also handles insurance issues associated with theft and vandalism, liabilities, and temporary living expenses. The agency has been in operation since 1968 and also covers insurance matters for vehicle owners and small businesses.

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 (127)

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
469 State Street, Schenectady, NY 12305
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

The SEFCU Insurance Agency is an insurance agency operating in Schenectady since 1996. It provides homeowners insurance coverage for homes, personal properties, personal liability, other items such as sheds and garages, and loss of use of the home. The SEFCU Insurance Agency is a fully-owned subsidiary of SEFCU, one of the 50 largest credit unions in the United States. The company offers free quotations and a feature to find insurance carriers on its website.

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.
4.5
Google
4.5 / 5 (103)

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
2088a Curry Road, Schenectady, NY 12303
  • Fire
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood

Why choose this provider?

Rickard Agency, Inc. is a full-service insurance company providing financial assistance to clients in Schenectady and the surrounding areas. Since 1993, the agency helps individuals protect their homes and families from financial losses through homeowners' insurance. Its agents provide personalized home insurance plans by surveying multiple coverage options. The company has access to 35 insurance carriers, including Eastern Insurance, Travelers, Foremost Insurance Group, Mercury Insurance Group, and New York Mutual Underwriters. Rickard Agency, Inc. also writes auto, flood, and business 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.
3.8
Facebook
3.5 / 5 (25)
Google
4.9 / 5 (7)

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
1690 Rt 9, Clifton Park, NY 12065
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Cote Insurance Agency is a full-service business rendering a wide variety of insurance services to businesses and families in Schenectady. Its agents provide residential property owners with insurance policies that provide financial protection against unexpected events. The home policy can cover damages caused by vandalism, theft, natural disasters, and fire incidents. Its insurance advisors also provide automobile, RV and boat, life, and renters' insurance policies. Cote Insurance Agency was established in 1944.

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 (5)
Facebook
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
40 North Central Avenue, Mechanicville, NY 12118
  • Multiple Policy Types

Why choose this provider?

The Connors Agency is a homeowners insurance brokerage company serving customers throughout Schenectady. The agency provides policies for single-family homes, condos, and rental housing, with areas of coverage that include personal property, liability, damage from fires and certain weather conditions, and property loss. Flood insurance is sold as a separate policy that can be added into homeowners plans, and the company also sells auto, commercial property, and professional liability policies.

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.
4.5
Google
4.7 / 5 (15)
Facebook
4.1 / 5 (9)

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
1741 Route 9 Ste 101, Clifton Park, NY 12065
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Why choose this provider?

Armor Group Insurance Agency offers homeowners and property insurance plans in Schenectady and surrounding areas. The business provides a no-obligation quote calculator on its website, and it partners with a wide network of carriers to ensure customers can compare rates and coverage specifics prior to purchasing plans. Homeowners policies are provided for single-family homes, condos and home businesses, with areas of coverage that include fire and disaster damage, personal property loss, and personal liability.

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.
4.8
Google
4.8 / 5 (40)
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

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.
  • What are the average homeowners’ insurance costs in Schenectady?

    On average, residents of Schenectady pay an annual homeowners’ insurance cost of $1,030. This is lower than both New York state's average annual premium of $1,365 and the national average of $1,820. Meanwhile, the cities in the state with the highest insurance costs include Bronx, Brooklyn, Far Rockaway, Flushing, Jamaica, and New York.

  • What factors affect Schenectady homeowners’ insurance premiums?

    The cost of one’s homeowners’ insurance premiums in Schenectady is determined by factors such as the value of the home, its location, its age and key systems, and its construction type and fire protection features. The homeowner’s credit score and history of homeowner's insurance claims will also influence their premiums.

  • Do certain dog breeds affect Schenectady homeowners’ insurance policies?

    As of January 2022, insurers in Schenectady and the rest of New York are forbidden by state law to use dog breeds as a basis for homeowners’ insurance coverage, rates, and whether to renew or cancel policies. Prior to this, the industry has denied coverage or set higher rates for homeowners with dog breeds such as pit bulls, Doberman pinschers, Chow Chows, Rottweilers, and German shepherds and mastiffs.

  • Does Schenectady homeowners’ insurance replace jewelry and artwork?

    While most standard homeowners insurance policies in Schenectady cover valuable possessions such as jewelry, artwork, and expensive electronics, they typically only offer limited coverage that does not reflect the true value of the possessions. As such, homeowners are advised to take out special endorsements in their policy to obtain extra coverage.

  • Can Schenectady residents report their homeowners’ insurance provider?

    Residents of Schenectady who wish to report their homeowners’ insurance provider may file a complaint at the official website of the New York Department of Financial Services. They may also contact the department’s toll-free helpline at 800-342-3736, which is active Monday through Friday from 8:30 a.m. to 4:30 p.m.

  • 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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