Insurance agencies · New York
Insurance Agencies in Monticello, NY
Local agencies in Monticello for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Monticello
Monticello has 7,279 residents in 3,040 households. We list 3 insurance agencies in Monticello. Here is what the local numbers say about the cover people here need.
Monticello at a glance
- 3insurance agencies listed
- 79.9%of households rentRenters insurance
- $172,000median home valueHome insurance
- 1968median year homes were builtRebuild cost calculator
- 23.8%of households have no carAuto insurance
- 3.3%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Car insurance rules in New York
New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.
These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.
Auto insurance in New YorkHow much liability cover do you need?
Source: dfs.ny.gov. Checked 2026-10-24.
Questions
Insurance agencies in Monticello
How do I find an insurance agency in Monticello?
Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.
Do I need flood insurance in Monticello?
FEMA's National Risk Index rates inland flooding risk in Sullivan County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Do I need renters insurance in Monticello?
79.9% of households in Monticello rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
How do I choose an agency?
Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.
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