The top-rated condo insurance agent in Rome, New York is Stephanie Utter - State Farm Insurance Agent, rated 4.9 stars across 171 reviews. Other highly rated options include Freeway Insurance, Michael Collea - State Farm Insurance Agent, Moore Insurance Group. This directory lists 15 condo insurance agents serving Rome.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Utter - State Farm Insurance Agent | 8060 Turin Rd | (315) 339-3300 |
| 2 | Freeway Insurance | 211 E Dominick St | (315) 444-3298 |
| 3 | Michael Collea - State Farm Insurance Agent | 146 Erie Blvd E | (315) 371-4225 |
| 4 | Moore Insurance Group | 1002 Black River Blvd | (315) 371-4288 |
| 5 | Steve Jarvis - State Farm Insurance Agent | 834 Black River Blvd | (315) 336-5595 |
| 6 | Joseph Zullo: Allstate Insurance | 241 E Dominick St | (315) 339-1134 |
| 7 | Alan I. Spindler: Allstate Insurance | 813 Black River Blvd N | (315) 336-4040 |
| 8 | Better Fund Insurance | 255 Hill Rd | (516) 893-4317 |
| 9 | Dimaggio Insurance Agency | 200 E Garden St | (315) 336-8875 |
| 10 | Michael Garcia: Allstate Insurance | 706 Erie Blvd W | (315) 337-6666 |
Stephanie Utter provides condo insurance services for clients in Rome, NY under the State Farm brand. Her agency assists condominium owners with policies that typically protect interior structures and personal belongings. These plans often include loss assessment coverage and liability protection for common area incidents. Serving the local area, the agency helps residents find coverage tailored to their association’s bylaws. Specific services handled by this agency include personal property coverage and liability insurance for condo unit owners.
Freeway Insurance offers specialized condo insurance policies tailored to meet the unique needs of unit owners in Rome, New York. The agency guides clients through the nuances of covering personal property, interior fixtures, and liability within a shared building structure. General services include assessing individual policy requirements to complement a homeowners association’s master plan. For residents, this focused assistance proves especially valuable when seasonal weather changes create increased storm damage risks to windows and balconies.
Michael Collea - State Farm Insurance Agent in Rome, NY provides a range of condo insurance services tailored to local property owners. The agency works with clients to develop policies that include coverage for personal property, liability, and loss of use, helping to protect unit owners against common risks. Maintenance plans are discussed during consultations to ensure policies align with individual needs and building association requirements. The agency services single-family homes, apartments, retail spaces, and restaurants in the Rome area.
Moore Insurance Group serves condo owners in Rome, New York, and the surrounding communities. It handles insurance coverage for individually owned units within condominium complexes. The agency addresses common concerns such as protecting interior fixtures, personal belongings, and liability for accidents that occur inside the unit. A typical job begins with a review of the homeowner association’s master policy to identify gaps. Then Moore Insurance Group tailors a policy to cover those specific exposures, ensuring the unit owner is not left vulnerable to uncovered losses.
Steve Jarvis - State Farm Insurance Agent in Rome, NY, serves condo owners, homeowners, and property managers in the local area. This agency provides coverage for individual units and association policies, helping clients protect their investments and personal belongings. Services include assistance with deductibles, liability protection, and loss assessment coverage to meet common condo association requirements. The office also serves the nearby communities of Utica, New Hartford, and Whitestown for condo insurance needs.
Choosing between a one-time policy and ongoing coverage for your condo affects how your personal property and interior building structures are protected. Joseph Zullo of Allstate Insurance in Rome, NY helps residents understand these coverage differences, including liability protection for common areas. He explains how standard policies address perils like fire or theft while offering options for higher limits on valuable items. Service appointments are scheduled on an as-needed basis, allowing clients to request reviews when renewing a policy or acquiring a new home.
As a condo insurance agent in Rome, New York, Alan I. Spindler: Allstate Insurance specializes in tailored policies that protect individual units and shared building structures. It also offers general coverage options for personal property and liability. Helping local homeowners in Rome, this agency addresses concerns such as frozen pipes and burst plumbing during the region’s harsh winter months.
As winter approaches in Rome, NY, the risk of frozen pipes and ice dam damage increases for condo owners. Better Fund Insurance helps residents secure coverage that addresses these seasonal threats alongside standard liability and common-area loss assessments. Their agents guide clients through unit owner policies that protect interior finishes and personal belongings. An initial assessment of the building’s age, structural condition, and local flood zone data is conducted before presenting a tailored quote. A property inspection appointment is then arranged to verify all details and finalize the binder.
Dimaggio Insurance Agency provides residential condo insurance services in Rome, New York. It also offers commercial coverage for condominium associations and local businesses in the surrounding area. The agency works with property owners to understand the specific needs of condo living, including building master policies and unit owner contents. Clients can contact the agency to arrange coverage, then follow up for policy reviews or repeat service between regular visits to adjust their protection.
Michael Garcia of Allstate Insurance provides property protection for condominium owners in the Rome, NY area. The agency assists clients in securing coverage that addresses individual unit liability and interior structural components not covered by association master policies. Beyond standard condo policies, the agent can help add endorsements for valuable personal belongings and water backup damage. Commercial sectors served include office spaces, warehouses, and food service establishments requiring specialized liability and property coverage.
What Does a a Condo Insurance Agent in Rome Cost?
Typical annual premiums for a condo insurance policy in Rome, New York range from 300 to 800 dollars for standard coverage. Costs depend on your unit value, deductible choice, and additional endorsements like flood or earthquake coverage. New York insurers consider local weather risks and building age when setting rates. This is general information and not insurance advice.
About condo insurance agents in Rome
A condo insurance agent in Rome, New York can help you understand the specific coverage needed for your unit. New York law requires condominium associations to carry a master policy, but that policy often does not cover your personal belongings or interior upgrades. An agent can explain how to fill those gaps with an HO-6 policy that meets your lender and association requirements.
Frequently Asked Questions
What does a condo insurance agent in Rome do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property, liability, and improvements to your unit. They review your association master policy to identify what is not covered. In New York, agents can also advise on loss assessment coverage for shared building repairs.
Is condo insurance required in New York?
Yes, most lenders and condominium associations in New York require you to carry an HO-6 policy. The minimum coverage often includes liability protection and coverage for your personal property. Your agent can help you meet these requirements while avoiding gaps.
How does New York law affect condo insurance costs?
New York insurance law does not cap condo insurance premiums, but rates are regulated and must be filed with the state. Factors like your unit location in Rome, the age of the building, and your claims history affect the price. An agent can compare quotes from multiple insurers to find a competitive rate.
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