The top-rated home insurance agent in Utica, New York is Scott Grates - State Farm Insurance Agent, rated 5.0 stars across 291 reviews. Other highly rated options include Matt Nimey Insurance Agency, AAA Utica, Dan Meehan - State Farm Insurance Agent. This directory lists 12 home insurance agents serving Utica.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Scott Grates - State Farm Insurance Agent | 430 Trenton Rd | (315) 797-7763 |
| 2 | Matt Nimey Insurance Agency | By appointment Only, 2001 Bleecker St | (315) 737-6099 |
| 3 | AAA Utica | 430 Court St | (315) 797-5452 |
| 4 | Dan Meehan - State Farm Insurance Agent | 2023 Sunset Ave | (315) 735-4494 |
| 5 | BEACH AGENCY INC | 1111 Oriskany St W | (315) 793-7626 |
| 6 | Scalzo Zogby & Wittig Inc | 120 Lomond Ct | (315) 792-0000 |
| 7 | Farmers Insurance - Michelle Santillo-Romano | 2400 Genesee St | (315) 765-6531 |
| 8 | Michael Garcia: Allstate Insurance | 2046 Genesee St | (315) 793-3322 |
| 9 | premium plan Insurance NY | 266 Genesee St | (332) 334-6798 |
| 10 | Success Insurance Utica | 106 Genesee St | (315) 230-0287 |
Scott Grates - State Farm Insurance Agent provides home insurance services to the Utica, NY metro area. The agency assists local homeowners in protecting their property and personal belongings against common risks. Policy options cover damage from events like fire, theft, and severe weather. The agent explains coverage limits and deductibles to ensure clients understand their policies. Dedicated claims support helps residents navigate the process after a loss. This office handles both standard homeowners policies and additional coverage for valuable personal items.
Matt Nimey Insurance Agency serves homeowners and property managers throughout the Utica area with personalized home insurance policies. This local agency helps residents assess their coverage needs for property protection and liability, working to match each client with appropriate plans from various carriers. The team offers guidance on dwelling coverage, personal property, and additional living expenses. Their services extend to clients in New Hartford and other communities across the broader Oneida County region.
AAA Utica provides comprehensive home insurance services to residents and business owners in Utica, NY. Its service plans include policy consultations, coverage adjustments, and assistance with claims filing. Maintenance plans focus on reviewing policy details annually to account for property changes or local risks. The agency serves a variety of property types, including single-family homes, apartments, retail spaces, and restaurants.
Dan Meehan - State Farm Insurance Agent serves the Utica, New York area and surrounding communities, handling home insurance policies for local homeowners. The agency assists clients in protecting their properties and personal belongings from unexpected events such as fire, theft, and weather-related damage. For each client, the approach involves reviewing individual coverage needs and recommending a suitable policy that balances adequate protection with the homeowner's budget.
BEACH AGENCY INC in Utica, NY, helps homeowners distinguish between one-time policy setups and ongoing coverage adjustments required as property values change. Their home insurance agents assist clients in selecting appropriate protection for structures and belongings within standard local risk environments typical of the region. They work on a one-time basis when establishing initial policies, while also offering scheduled updates for existing accounts as personal circumstances or market conditions shift. Service runs on a one-time or scheduled basis according to client needs.
A priority for Scalzo Zogby & Wittig Inc is assisting homeowners in Utica, NY, with specialized policies for their property’s unique coverages, including standard dwelling, liability, and personal belongings protection. Its general service involves evaluating local risk exposures and offering tailored home insurance solutions. Beyond routine annual updates, the agency regularly helps clients secure coverage for the specific threats of the region, such as the ice dam damage common during Upstate New York’s harsh winter months.
As the harsh Utica winter approaches, homeowners often worry about frozen pipes and ice dams. Farmers Insurance through Michelle Santillo-Romano provides tailored home insurance policies to address these seasonal risks and protect property investments in the area. The agency works with clients to review coverage limits, deductibles, and liability options for structures like attached garages. A thorough initial assessment of the home is scheduled to identify specific vulnerabilities and ensure the policy matches the property's unique needs.
Michael Garcia from Allstate Insurance in Rome, NY assists local homeowners with standard policies protecting their property against common perils. He also offers specialty add-ons such as flood and earthquake coverage to address regional risks often excluded from basic plans. His agency helps residents secure liability protection and personal property coverage for their primary dwellings. For commercial needs, he can extend services to offices, warehouses, and food service operations requiring tailored property and casualty insurance.
Serving Utica, NY residents as a home insurance agent, Success Insurance Utica provides residential coverage tailored to local properties and homeowner needs. Commercial insurance is also available for area businesses requiring liability and property protection. The agency serves clients throughout the broader Utica region, ensuring accessibility for policyholders. With each policy review or claim, clear explanations help customers understand their coverage. Follow-up is conducted between regular policy reviews to confirm protection remains appropriate as circumstances change.
What Does a a Home Insurance Agent in Utica Cost?
Typical home insurance in New York costs around 1200 to 2000 dollars per year for a standard policy. In Utica rates may be slightly lower than state average due to lower property values. Older homes or those with knob and tube wiring can cost more. This is general information not insurance advice.
About home insurance agents in Utica
Home insurance agents in Utica New York help you find coverage for your property. They understand local risks like winter storms and aging infrastructure. New York law requires insurers to offer replacement cost coverage on dwelling policies.
Frequently Asked Questions
What does a home insurance agent in Utica do?
A home insurance agent helps you compare policies from different companies. They explain coverage options and assist with claims. Agents in Utica know local building codes and common perils.
Is home insurance required in New York?
New York state does not legally require home insurance. However mortgage lenders almost always require it. Without insurance you risk paying out of pocket for damage or liability.
What factors affect home insurance cost in Utica?
Cost depends on your homes age location and construction. Utica homes near the Mohawk River may have higher flood risk. New York law allows insurers to use credit history in pricing.
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