Albany, the capital of New York strikes a balance between its legislative and historical roots and a buzzing urban environment. Whether you enjoy cultural events, shopping, academic endeavors, or outdoor recreation, you can always find something to do here.
If you live in Albany, you know that it can be a great place to call home – but it also has its fair share of risks. That’s why it’s important to have insurance. Whether you’re a homeowner, renter, driver, or business owner, there are insurance policies available to protect you from the risks associated with living here. Contact our Albany insurance brokers to get the answer to all your questions.


Why Agency Height?
Local Coverage Expertise
Explore top agents who best understand your location, local laws, and needs.
The Power to Choose
Local Coverage Expertise– Explore top agents who best understand your location, local laws, and needs.
Hassle-free process
No unwanted calls. Book free consultations with only the ones you choose.
Find insurance agents near your cities in New York
- Business Insurance Agents in New York
- Car insurance in New York
- Homeowners Insurance Agents in New York
- Life Insurance Agents in New York
- Top Agents Near You in New York City 2023
- Top Agents Near You in Rochester, Ny
- Top Insurance Agents Near You in Brooklyn
- Top Insurance Agents Near You in Ithaca, Ny
- Top Insurance Agents Near You in Kingston
Popular Insurance Coverages in Albany
Home Insurance
- Home Insurance
- Personal Liability and Medical Payment to Others
- Personal Liability and Medical Payment to Others
- Wind/hail
- Hurricane damage
- Additional Living Expenses/Loss of Rent
- Flood Insurance
- Personal Property Replacement Cost
Auto Insurance
- Personal property replacement cost
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
- Collision/Comprehensive Coverage
- Personal Injury Protection
Life Insurance
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Annuities
- Variable Life Insurance
Business Insurance
- Business Owners’ Policy (BOP)
- General Liability Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Cyber Liability Insurance
- Commercial Auto Insurance
Average Auto Insurance Rates in Albany 2023
When purchasing any insurance in Albany, cost is an important factor to take into account. Your location, the insurance company you choose, and the type of coverage all have an impact on your insurance rate.
- Auto Insurance $1,140
- Home Insurance $945
- Small Business Insurance $500 – $6000 *general liability policy
- Life Insurance $575
Frequently Asked Questions
-
Is homeowners insurance required in Albany?
No, homeowners insurance is not mandated by law in Albany, but your mortgage provider will likely want it if you wish to get a loan.
-
What is the cost of renters insurance in Albany?
The average cost of renters insurance ranges from $720 to $1836 per year in Albany.
-
Is Business Insurance Required in Albany, New York?
In Albany, New York, workers’ compensation insurance is typically required. Additionally, NY commercial auto insurance coverage is necessary if your firm owns vehicles used for business purposes or registered to your business.
-
Is car insurance mandatory in Albany?
Yes, drivers in the state of Albany must possess the following minimum liability insurance.
- $10,000 for one accident’s property damage.
- $50,000 for death
- $25,000 for physical harm to an accident victim