The top-rated condo insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 262 reviews. Other highly rated options include Kelly McGrath - State Farm Insurance Agent, Attanasio Agency, LLC, John Loughlin - State Farm Insurance Agent. This directory lists 12 condo insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mick Butler - State Farm Insurance Agent | 961 Hoosick Rd | (518) 237-6425 |
| 2 | Kelly McGrath - State Farm Insurance Agent | 233 N Greenbush Rd | (518) 272-7000 |
| 3 | Attanasio Agency, LLC | 235 Pawling Ave | (518) 266-0311 |
| 4 | John Loughlin - State Farm Insurance Agent | 160 Oakwood Ave | (518) 266-9965 |
| 5 | Freeway Insurance | 351 Broadway | (518) 520-0450 |
| 6 | Culnan Insurance Agency LLC | 16C N Greenbush Rd | (518) 326-1191 |
| 7 | Wm. J. Fagan & Sons, Inc | 15 1st St | (518) 272-3471 |
| 8 | Met Life | 500 Jordan Rd | (518) 691-0764 |
| 9 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 10 | De Genero Insurance | 225 N Greenbush Rd | (518) 283-1164 |
Mick Butler - State Farm Insurance Agent serves the Troy, NY area as a provider of condo insurance solutions. The agency assists local condominium owners with navigating the specific coverage requirements that differ from standard homeowners policies. Condo insurance typically protects personal property, interior structural improvements, and personal liability within the unit. The agent works to understand each building’s master policy, helping residents fill coverage gaps for fixtures and belongings. Specific services include handling claims for interior damage and arranging loss assessment coverage for shared building elements.
Kelly McGrath - State Farm Insurance Agent in Troy, NY, provides condo insurance coverage and related policy options tailored to local homeowners. It assists clients with selecting appropriate coverage limits, reviewing policy details, and filing claims when needed. The agency offers ongoing service support for policy adjustments, billing questions, and renewal planning. It works with owners of single-family homes, apartments, retail spaces, and restaurants, helping protect their properties and personal liability in the Capital Region.
Attanasio Agency, LLC serves condo owners in Troy, New York, offering tailored insurance coverage for their individual units and personal property. Their services help condo owners navigate the specific gap between a master policy and their own needs, including liability protection and loss assessment coverage. They also assist homeowners and property managers in the greater Troy area to secure appropriate condo insurance solutions. This agency additionally provides its services to clients in the neighboring community of Watervliet.
John Loughlin - State Farm Insurance Agent serves Troy, New York, and the surrounding communities in Rensselaer and Albany counties. This agency handles condo insurance policies tailored for individual unit owners within multi-unit buildings. Their approach focuses on evaluating each client’s specific property needs and personal liability risks to create adequate coverage. To handle a typical job, the agent guides clients through a thorough needs assessment and policy review, ensuring essential protections like personal property and loss assessment coverage are clearly explained.
Freeway Insurance offers insurance services for condo owners in Troy, New York, addressing coverage for personal property and interior structures within a unit. Specializing in condo insurance, the company can help clients navigate liability protection and loss assessment coverage that common master policies do not include. For commercial operations related to condominium living, Freeway Insurance can serve offices, warehouses, and food service establishments within the local area.
Culnan Insurance Agency LLC in Troy, NY distinguishes between a one-time policy evaluation and ongoing coverage adjustments. For condo insurance, policies typically protect interior fixtures, personal liability, and loss of use after a covered event. This agency can provide a single review or schedule regular annual check-ins to align coverage with changing property values. Service runs on either a one-time or as-needed basis, with no fixed interval.
Specializing in condo insurance policies, Wm. J. Fagan & Sons, Inc assists property owners in Troy, NY with tailored coverage for their individual units. The agency works to secure policies that protect personal belongings and interior structures against common hazards, while also addressing master policy gaps that affect shared building areas. It handles routine policy reviews and updates for local clients. During fall and winter months, the agency helps insureds prepare for potential burst-pipe claims that often result from freezing temperatures in unoccupied units.
When harsh Troy winters bring roof damage or spring thaws expose foundation cracks, condo owners seek coverage that addresses shared-building responsibilities alongside individual unit protection. Met Life in Troy, NY, serves as a local condo insurance agent, helping navigate policies that align with association bylaws and personal asset needs. This agent assists clients in comparing deductibles and liability limits common to multi-unit arrangements in the Capital Region. The process typically begins with an in-person inspection of the unit’s interior and exterior, followed by a coverage assessment.
Brundige Insurance Agency provides insurance coverage for residential properties in Troy, NY, with a specific focus on condo insurance arrangements. The agency works to tailor policies that protect individual unit owners from common liability claims and structural damage risks within shared buildings. Areas of specialization include loss assessment coverage and protection for interior improvements and fixtures. The agency is equipped to serve a range of commercial property sectors, including offices, warehouses, and food service operations.
De Genero Insurance provides residential condo insurance services in Troy, New York, helping unit owners protect their personal property and interior structures. Commercial coverage is also available for condo associations and small businesses operating within the area. The company serves clients throughout the Capital Region, offering policies that address typical local liability and loss risks. After filing a claim or securing an initial policy, clients can return for timely updates and coverage adjustments between regular service visits.
What Does a a Condo Insurance Agent in Troy Cost?
Condo insurance in New York typically costs between 200 and 600 dollars per year for a standard HO-6 policy. Factors like unit size location and coverage limits affect the premium. Agents in Troy can provide quotes for your specific situation. This is general information and not insurance advice.
About condo insurance agents in Troy
Condo insurance agents in Troy New York help unit owners understand their coverage needs under New York law. A standard HO-6 policy covers personal property and interior improvements not protected by the condo associations master policy. Agents can explain how New York insurance regulations affect your deductible and loss assessment coverage.
Frequently Asked Questions
What does a condo insurance agent in Troy do?
A condo insurance agent helps you find an HO-6 policy that covers your personal property and interior upgrades. They explain how the associations master policy interacts with your individual coverage. Agents also advise on liability protection and loss assessment coverage specific to New York.
Is condo insurance required by law in New York?
New York law does not require condo insurance for unit owners. However most mortgage lenders require an HO-6 policy. Your condo association bylaws may also require you to carry liability insurance.
How does New York law affect condo insurance claims?
New York has a three year statute of limitations for filing a lawsuit on a property insurance claim. Agents can help you understand the time limits for reporting a loss. They also explain how the New York Insurance Department handles complaints.
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