Home Insurance

New York Home Insurance Coverage

Life Insurance — People Making Circle with Hands on Wooden Table in Albany, NY
Homeowners insurance is more than a piece of paper; it's a peace of mind. Homeowners insurance is one of the most important policies you can have. It protects not only your home from unforeseen damages as well as your personal property. Giving you financial security and peace of mind in a way that no other policy can. From our Albany, New York office, Hamlin, Robert & Ridgeway, Ltd. has years of experience serving the Tri-State area. As an independent agency, our professional agents will work hard to find and compare quotes from leading insurance companies on your behalf. We do the legwork for you and are here to support you through the entire insurance process, from your first quote to a stressful claim.
Homeowners Insurance — House Model Insurance in Albany, NY

Protect Your Home And Belongings With Homeowners Insurance

No two homeowners will have the same risks, concerns, or coverage needs. That's why our dedicated agents will take the time to get to know you and your family on an individual level to understand your insurance requirements. We can then build a customized, comprehensive home insurance policy based on meeting those needs. Hamlin, Robert & Ridgeway, Ltd. offers coverage for:

Homeowner Insurance Options:

  • The Structure of the House
  • Any Detached Structures Such As Garages, Sheds, Etc.
  • Liability
  • Personal Property and Possessions

Homeowner Insurance Options:

  • The Structure of the House
  • Any Detached Structures Such As Garages, Sheds, Etc.
  • Liability
  • Personal Property and Possessions
If you are looking for further liability protection, talk to your Hamlin, Robert & Ridgeway, Ltd. agent about umbrella insurance. This policy helps provide an extra safety net of liability protection in the event of an incident that exceeds the limits of your standard liability coverage.

It's time to protect your home adequately. Contact Hamlin, Robert & Ridgeway, Ltd. in Albany, NY at (518) 458-7777 to learn more about your homeowner's insurance options. Or if you prefer, fill out our online quote form to get started right away!
Flood Insurance — Village Houses in Floodwater in Albany, NY

Protect Your Home With New York Flood Insurance

Flooding can happen anywhere, even if you don't live in a high-risk area. Statistics show that up to 30 percent of flood insurance claims are not from high-risk areas but from low-to-moderate risk areas. Meaning that, even if you live miles away from water, you could still experience flooding. Floods are the #1 natural disaster in the United States. How is that possible? In addition to natural floods, consider the following:
  • Air Conditioning Leaks
  • Plumbing Issues
  • Periods of Heavy Rain
  • Back-Up Drains
  • Broken Sewer Lines
Not every insurance policy will cover all instances of water damage, which is why extra coverage is so important.
  • Air Conditioning Leaks
  • Plumbing Issues
  • Periods of Heavy Rain
  • Back-Up Drains
  • Broken Sewer Lines
Not every insurance policy will cover all instances of water damage, which is why extra coverage is so important.
New York Has an Above Average Flood Risk

Hamlin, Robert & Ridgeway, Ltd. has been doing business in New York for over 20 years. We know how great it is to live in this state, but we're also aware of the drawbacks. An above-average risk of flooding translates to higher insurance rates, and many homeowners policies won't even cover significant flood damage. One of our agents will go over your risks and concerns to come up with a detailed plan that helps boost your existing coverage. Depending on your risk factor and where you live, your flood insurance options. From either the National Flood Insurance Program (NFIP) or the Preferred Risk Flood Insurance.

Natural disasters have a considerable effect on New York's home insurance costs. The cost of homeowners insurance doesn't have to weigh you down if you live in a high-risk area. Flood insurance will strengthen your policy and give you peace of mind, while bundling insurance options may even reduce your rates. The most important thing is to be confident that your home is protected.
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