Founded in 1864. An employee-owned company.

Homeowners Insurance

Our People Are Your Best Insurance

Homeowners Insurance

The biggest investment most people will ever make is their home. That’s why it makes sense to protect your investment, and your future, with a comprehensive homeowners plan. Each home and property are unique, and Marshall & Sterling can customize a homeowner’s policy to meet your specific needs.

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings - furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Click here to learn more.

Renters Insurance 

Renters face many of the same possibilities for loss as homeowners including:

  • Personal property
  • Family liability
  • Guest medical expenses
  • Additional living expenses
  • Replacement costs
  • High value item replacement costs
  • Protect yourself, your family and your property

Click here to learn more.

Condo Insurance 

When selecting condo/co-op coverage, it's important to determine what is covered by your association's master policy and which items are your responsibility. Typically, your condo/co-op association carries an insurance policy for common areas, such as the lobby, walkways, boiler, basement, etc. In most cases, the association's coverage stops at the exterior walls. However, it may also cover other parts of the interior, too. It is critical to determine what the association's master policy covers and speak with a Marshall & Sterling agent about your responsibilities. Click here to learn more.

Vacation Home - Protect Your Home Away from Home

If you're investing in a second home, we've gathered some insurance basics that will help you make the best buying decision when it comes to determining insurability and estimating your ongoing cost of ownership. Click here to learn more.

Why Should I Schedule My Valuables?

The limited coverage provided in your homeowners  or renters policy may not be sufficient to cover your valuables in the event of a loss. Adding an endorsement or floater policy to the coverage you have ensures that you'll be reimbursed for these items. Click here to learn more.


Home Inventory Checklist
Liabilities of Renting Your Home
Electrical Safety Tips
Winter Cold Home Preparedness
Common Questions & Answers
Sewer Backup Coverage
Market Value vs. Reconstruction Value  


Contact Us...
And learn more about
our solutions for your
insurance needs.

Personal Lines Supervisor:
Catherine Kent

Tel: (518) 943-3900 ext.1046

Claims Specialist:
Michelle Conway

Tel: 518-943-3900 ext. 1062
Fax: 518-943-7440
Tel: 866-223-8984

In the event of a severe claim or emergency,
our call center is available 24/7.


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