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Best Homeowners Insurance Agencies in Yonkers

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Alpha Direct Agency LLC logo
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Alpha Direct Agency LLC

5030 Broadway, New York, NY 10034
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Alpha Direct Agency LLC is a homeowners insurance agency doing business with clients in the Yonkers metro area. This company helps clients to address needs related to purchasing homeowners insurance, policy issues, and any problems with making claims. it offers coverage for dwellings and additional structures and also insures personal property as well as personal liability. Alpha Direct Agency LLC offers guidance and insurance options for landlords, renters, and condo owners too.

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
4.9 / 5 (195)
Yelp
5.0 / 5 (4)
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
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Detail
D.C. Ranieri Insurance Agency logo
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D.C. Ranieri Insurance Agency

457 Palmer Rd, Yonkers, NY 10701
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

D.C. Ranieri Insurance Agency serves individuals and businesses in the city of Yonkers. The agency helps clients understand the different aspects of a homeowners' insurance policy and assesses their properties and personal possessions to ensure they are covered and protected. The agency offers custom design protection programs and assistance in the selection of an insurance company that suits each client's situation. D.C. Ranieri Insurance Agency also offers other insurance coverage including, condo/co-op, renters, car, motorcycle, ATV and snowmobile, and life insurance, among others.

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
4.6 / 5 (17)
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
DCAP Insurance logo
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DCAP Insurance

132-3B Tuckahoe Road, Yonkers, NY 10710
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  • Renter's Insurance
  • Flood

Business Description

DCAP Insurance is an insurance agency located in Yonkers with 30 years of experience in the industry. Agents of this agency are equipped with the resources necessary to helping secure the right policy for clients. Its home insurance will cover the property's value, including the possessions inside, in case of major financial loss. It will protect the home from damage brought by fire, windstorm, hurricane, or hail. It may also protect it from theft or accident 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.
4.5
Google
5.0 / 5 (4)

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
De Cesare Agency, Inc logo
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De Cesare Agency, Inc

914 McLean Avenue, Yonkers, NY 10704
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

De Cesare Agency, Inc., is an insurance agency that is based in Yonkers, serving the insurance needs of families and businesses since 1945. Its team of insurance agents specializes in commercial and personal insurance. They offer homeowners insurance that covers personal liability and the property of the insured individual. De Cesare Agency, Inc., also has business insurance policies that include workers' compensation, fire, liability, builder's risk, and commercial automobile 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.
4.0
Google
4.0 / 5 (4)

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
gwbbrokerage.com logo
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gwbbrokerage.com

5000 Broadway, New York, NY 10034
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

GWB Insurance Brokerage provides personal property insurance coverage to homeowners throughout the Yonkers metro area. It advises clients on options for coverage and can assess their circumstances to recommend additional coverage or certain policy options. Policies are available to cover financial losses associated with home repairs or upgrades, burglary, or damage caused by utilities, fire, or natural disasters. GWB Insurance Brokerage also sells renters insurance and can insure owners of condos.

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
3.7 / 5 (14)
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
John O'Brien - State Farm Insurance Agent logo
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John O'Brien - State Farm Insurance Agent

2274 Central Park Avenue, Yonkers, NY 10710
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  • Multiple Policy Types

Business Description

John O'Brien - State Farm Insurance Agent is an insurance professional based in Yonkers. O'Brien offers various insurance products, including homeowners' insurance. He provides clients with home insurance policies that include protection for keepsakes such as collectibles and jewelry. Home insurance also covers damage resulting from natural elements such as lightning, wind, hail, and snow. Aside from home insurance, O'Brien offers life insurance, business insurance, auto insurance, and motorcycle insurance. The agent provides Spanish-speaking services.

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.
3.9
Google
3.8 / 5 (29)

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
Multi-Line Insurance Agency logo
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Multi-Line Insurance Agency

800 Yonkers Ave, Yonkers, NY 10704
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Multi-Line Insurance Agency helps homeowners in Yonkers protect their investments. This company generates comparative quotes from different insurance carriers to provide custom insurance solutions. Its standard homeowners' insurance product covers risks associated with home structure repair or reconstruction, personal property loss or damage due to theft, fire, or other disasters, and liability lawsuits. This coverage also includes living expenses for a temporary loss of use arising from insured events. Home insurance plans also apply to renters and condominiums.

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
4.2 / 5 (19)

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
––
RPK Professional Group logo
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RPK Professional Group

28 Village Road North, Brooklyn, NY 11223
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  • Flood
  • Multiple Policy Types

Business Description

RPK Professional Group is an agency that helps clients in the Yonkers area ensure financial coverage for their homes in the event of disasters or unexpected situations. The firm works to assist homeowners in securing claims for losses and damage caused by factors such as theft, weather, and fire. RPK Professional Group also handles personal liability issues including medical costs, legal fees, and property repairs. The agency has over 30 years of experience in the insurance sector.

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 (11)

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
Victoria Anderson - State Farm Insurance Agent logo
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Victoria Anderson - State Farm Insurance Agent

625 McLean Ave, Yonkers, NY 10705
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Victoria Anderson - State Farm Insurance Agent protects the assets and investments of homeowners in Yonkers and the neighboring areas. This homeowners insurance agency covers any damages to the structure of a home, along with other structures that are connected or detached, such as garages, guesthouses, greenhouses, or pool houses. It also covers personal property kept in the home. The agency's policies secure the client through personal liability and medical coverage to pay for any expenses resulting from a third-party injured on the property.

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 (173)

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
Wasiczko Agency logo
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Wasiczko Agency

9 Lockwood Ave, Yonkers, NY 10701
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

The Wasiczko Agency is an insurance company operating in Yonkers. It helps homeowners protect their property from outlined damage, paying repair expenses for the walls, garage, and shed. The company also covers for belongings that are lost to burglars or other criminals. It pays for medical fees for those injured within the property, such as guests or visiting relatives. The company offers its clients comprehensive plans through known insurance carriers like CNA, Foremost, and Maidstone 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.
4.9
Google
4.9 / 5 (11)

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
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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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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