Homeowners Insurance

If you’re like most homeowners in Schenectady, your home is your most valuable asset and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

Hopmeier Evans Gage Insurance can help you find the Schenectady homeowners insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.

Note: if you are looking for homeowners insurance for a rental property, or home that is unoccupied, you cannot use traditional homeowners insurance. You need a "specialty dwelling" policy which we can also help you with.

One of the BEST add-on coverages for home insurance is reviewed in my video here

Regardless of whether you live in Schenectady or any other part of New York, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and different conditions and limitations.

New York Homeowners Insurance

If you’re not using an independent agent in Schenectady like us, it can be hard, if not impossible to tell the difference between two homeowners insurance policies.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We'll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

Every home is unique, and therefore requires a carefully crafted policy. If you’d like us to review your current policy and provide you with no obligation quotes, call our office, or head over to our quotes page to get the process started.

Policyholder Testimonials

Best pricing I could find for homeowners insurance! Todd was very informative and touched base often to ensure insurance policy was accurate while I waited for a final closing date on my first house. Highly recommend!

Patricia Sheperd


I was recently looking for homeowners insurance and somebody recommended me to go through Stacy at Hopmeier Evans Gage. I am very happy I did! Stacy was very responsive and helpful and was able to find me a great deal within two days! She saved me lots of time and a headache. I would highly recommend going through her.

Seanna Dubois


Had homeowners insurance with them for the past 17 years. Very reasonable price...

Dan Coombs

5 star google review icon

Homeowner's Insurance FAQs

Would You Like Us To Review Your Policies?

"*" indicates required fields

Which personal product would you like a quote for?*
Name*
Primary Address*
SMS/Opt-In*
By submitting this form, you consent to receive SMS messages and/or emails from our company. To unsubscribe, follow the instructions provided in our communications. Msg & data rates may apply for SMS. Your information is secure and will not be sold to third parties. View Privacy Policy
Drop files here or
Max. file size: 39 MB.

    Request Your Proposal Here

    Are you ready to save time, aggravation, and money? The team at Hopmeier Evans Gage Agency, Inc. is a special type of insurance that covers the company building as well as the contents owned by the company, is here and ready to make the process as painless as possible. We look forward to meeting you!