The top-rated landlord insurance agent in Saratoga Springs, New York is Kyle Magne - State Farm Insurance Agent, rated 5.0 stars across 372 reviews. Other highly rated options include Bob Fitch - State Farm Insurance Agent, Dione Ramsdill - State Farm Insurance Agent, Jenks Family Insurance Agency, LLC. This directory lists 21 landlord insurance agents serving Saratoga Springs.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Kyle Magne - State Farm Insurance Agent | 120 West Ave Apartment 102 | (518) 633-1010 |
| 2 | Bob Fitch - State Farm Insurance Agent | 440 Maple Ave | (518) 409-8685 |
| 3 | Dione Ramsdill - State Farm Insurance Agent | 4286 NY-50 | (518) 581-7010 |
| 4 | Jenks Family Insurance Agency, LLC | 11 Ballston Ave | (518) 581-1111 |
| 5 | Lubica Mills - State Farm Insurance Agent | 8 Circular St Suite 3 | (518) 587-6483 |
| 6 | Todd Harvey Farmers Insurance | 2 Smith Bridge Rd | (518) 693-6893 |
| 7 | Armor Group Insurance Agency | 340 Broadway Ste 301 | (518) 952-4296 |
| 8 | Steve Cook - State Farm Insurance Agent | 6 Franklin Square Ste E | (518) 581-8240 |
| 9 | Robert J. Hoy Agency, Inc. | 538 Maple Ave Suite C | (518) 583-2025 |
| 10 | Nicole DellaPorta - State Farm Insurance Agent | 3257 US-9 Ste 4 | (518) 587-0136 |
Kyle Magne - State Farm Insurance Agent serves Saratoga Springs, NY, and surrounding Saratoga County as a landlord insurance agent. The company provides specialized property coverage designed to protect rental dwellings from financial losses. This includes policies that insure the physical structure of rental homes as well as liability protection for property owners. They handle insurance solutions for single-family rental properties and multi-unit residential buildings in the local area.
Bob Fitch, a State Farm Insurance Agent in Saratoga Springs, NY, provides a full range of landlord insurance services, including property damage coverage, liability protection, and loss-of-rent options. Customized service plans are available to help landlords manage risk and maintain adequate coverage over time. The agency serves a variety of rental property types in the area, such as single-family homes, apartments, retail spaces, and restaurants.
Homeowners, property managers, and small business owners in Saratoga Springs, NY, turn to Dione Ramsdill - State Farm Insurance Agent for landlord insurance coverage. This agency helps property owners protect rental dwellings with policies that address liability, property damage, and loss of rental income. The agent works with clients to understand each property’s unique exposures and tailor appropriate protection plans. Its services extend to landlords operating in nearby communities such as Wilton, NY, and the greater Saratoga Springs metro area.
Jenks Family Insurance Agency, LLC serves the Saratoga Springs, New York area and its surrounding communities, handling landlord insurance policies for residential rental properties. These policies typically cover property damage, liability protection, and loss of rental income for property owners. The agency approaches each client’s situation by first reviewing the specific property type and lease terms to tailor the coverage limits accordingly.
For an individual landlord, service may be arranged as a one-time consultation, while property owners with multiple units often opt for a scheduled annual review. Coverage through Lubica Mills in Saratoga Springs, NY, can include protection for rental dwellings against fire, liability for tenant injuries, and loss of rental income. These policies are tailored to address the specific risks of renting residential properties in the local area. Service runs strictly on an as-needed basis, requiring clients to request quotes or adjustments as their portfolios change.
Todd Harvey Farmers Insurance in Saratoga Springs, NY provides specialty landlord insurance policies to protect rental properties from liability and property damage. It also offers a general range of insurance services to address standard personal and commercial coverage needs. The agency assists local property owners with managing the unique risks associated with leasing homes and apartments. This includes helping landlords prepare for potential income loss and repair costs during the winter months when frozen pipes and ice dams are a common concern.
As Saratoga Springs landlords prepare for the freeze-and-thaw cycle of an upstate New York winter, Armor Group Insurance Agency assists property owners in Saratoga Springs with tailored landlord insurance policies. This company specializes in covering rental properties against common regional risks, such as burst pipes and liability issues from tenants or visitors. By offering coverage for dwelling structure and lost rental income, it helps owners protect their investments. The process begins with an initial assessment of the property’s condition and location to recommend an appropriate policy.
Steve Cook - State Farm Insurance Agent in Saratoga Springs, NY, provides general property and liability coverage for residential rental properties. This agent also offers specialized endorsements to address risks unique to being a landlord, including loss of rental income and vandalism protection. The agency serves the insurance needs of local commercial sectors, such as offices, warehouses, and food service businesses.
Nicole DellaPorta - State Farm Insurance Agent in Saratoga Springs, NY, is known for providing landlord insurance policies tailored to local property owners. The agency guides clients through coverage for rental dwellings, including protection against property damage and liability claims from tenants. It assists with evaluating unique risks associated with residential rental properties in the Saratoga Springs area. Landlords can receive help customizing a policy that addresses their specific investment needs. As an added service, the agency offers guidance on adding coverage for loss of rental income.
What Does a a Landlord Insurance Agent in Saratoga Springs Cost?
Typical landlord insurance costs in New York range from 15 to 30 percent more than standard homeowners insurance. For a single family rental in Saratoga Springs expect annual premiums between 800 and 2000 dollars depending on coverage limits and deductibles. Multi unit properties or those with high liability risks may cost more. This is general information and not insurance advice.
About landlord insurance agents in Saratoga Springs
A landlord insurance agent in Saratoga Springs New York helps property owners protect their rental investments. Agents can explain how New York law requires specific coverages for rental properties such as liability insurance for common areas. Local agents understand the unique risks of the Saratoga Springs market including seasonal rentals and historic property considerations.
Frequently Asked Questions
What does a landlord insurance agent in Saratoga Springs do?
A landlord insurance agent helps you find a policy that covers your rental property including dwelling protection liability coverage and loss of rental income. They also advise on New York specific requirements such as lead paint disclosure laws and property maintenance standards.
Is landlord insurance required by law in New York?
New York state law does not require landlord insurance but most mortgage lenders will require it. Additionally New York landlords must carry liability insurance if they have common areas or if required by their local municipality. Saratoga Springs may have specific building code requirements that affect coverage needs.
What factors affect the cost of landlord insurance in Saratoga Springs?
Costs depend on property value location construction type and the number of units. New York insurance regulations also influence rates. Properties near Saratoga Lake or in flood zones may need additional flood insurance which increases total cost.
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