The Best Albany, NY Home Insurance

Albany, NY, is the most excellent place to raise a family in the U.S.

With a resurgence in business and community development, Albany and the entire New York Capital District (Troy, Schenectady, Saratoga, Clifton Park, East Greenbush, Delmar, Guilderland, etc.) has reestablished itself as Upstate NY’s leader in overall quality of life.

Albany is home to more than 98,000 people (more than 750,000 live in the more excellent Capital District).

Capital District residents are attracted to area cities such as Albany, Troy, and Saratoga because of their parks and recreation, ample shopping, top-notch medical facilities, schools, and climate, which offer four distinct seasons.

Because of the four distinct seasons, homes in the Albany / Capital District area must weather each year, choosing the right home insurance is an important decision.

Need a homeowners insurance quote? Click here to start a quote in minutes.

This short video explains more…


Cost of Homeowners Insurance in Albany, NY

New York is the 15th most expensive state regarding homeowners insurance.

While the state average is higher than the national average, the average home insurance rate for the Albany / Capital District region is significantly lower than the state average.

  • National average yearly premium: $1,175
  • New York average yearly premium: $1,312
  • Albany's average yearly premium: $859

Every home is unique, so your actual homeowner’s insurance rates will likely vary from the above average. In cities like Albany, Troy, Schenectady, and Saratoga, which have a wide range of property values, rates can fluctuate significantly.

Home insurance costs are calculated on a case-by-case basis and are based on several factors, such as: 

  • The size of your house, the year it was built, and the materials used in its construction
  • The type of home you are insuring (i.e., single-family home, two-family, townhouse, condo, etc.)
  • The crime rate and weather risks in the vicinity of your home
  • Your claims history
  • Your credit score
  • The amount of your deductible
  • Whether you are bundling your homeowner’s insurance with the same company as your car insurance.

You can learn more about how much homeowners insurance you need.

What are the best Home insurance companies in Albany, NY

The best way to find the right homeowners' insurance company is to work with an independent insurance agent, such as Rogue Risk. We make it easy to find the best policy to cover your Albany home at a price that fits your budget.

Unfortunately, many homeowners make the mistake of calling a Big Box insurance company they see on TV. While these companies have big budgets and cool spokespeople, their coverage and pricing options are limited. They’re often forced to sell you something that isn’t exactly right.

At Rogue Risk, we specialize in homeowners insurance, creating massive benefits for you and your family. With over 15 years of experience working with homeowners in the more excellent Capital District and access to over 20 insurance companies, we can shop the home insurance coverages you need to find the best rate available in the market.

You can learn more about the best homeowners insurance companies in New York.

How to get a homeowners insurance quote in Albany, NY

I want you to know that finding an insurance agent who cares about protecting your home is paramount.

Whether you’re a first-time homebuyer or a grizzled homeownership veteran, you will have questions. There will come a day when something happens you don’t understand, rates change, coverage changes, and you’ll need someone to call.

That is what we’re here for at Rogue Risk. It’s why we specialize in home insurance:

  • We know which insurance companies have the best rates for the coverage you need.
  • We have experience handling claims.
  • We advocate on our client’s behalf with insurance carriers.

You can learn more about our Insurance here.

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The Rub

If your house burns down, God forbid, the insurance company is the only entity coming to help put your home back up. That is why setting up your homeowners insurance the right way the first time is crucial.

We'd like to help you do just that.

It would be our great pleasure.

If you have questions about your homeowners’ insurance, either coverage or price perspective, or want to make sure you’re working with a great company that’s always going to be there when you need them, give us a call.

We are homeowners insurance experts, which we do all day long here at Rogue Risk.

You can call us at (518) 960-6600 or click here to contact us online.

Thank you, and have a great day,

Ryan Hanley

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