Rochester has 208,772 residents in 93,261 households. We list 17 agencies for life insurance in Rochester. Here is what the local numbers say about the cover people here need.

Rochester at a glance

17life insurance agencies listed
61.9%of households rentRenters insurance
$139,600median home valueHome insurance
1938median year homes were builtRebuild cost calculator
23.4%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Monroe County

FEMA rates the overall natural hazard risk in Monroe County, where most Rochester agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Inland floodingRelatively High
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.
Flood insurance in New York
Winter weatherRelatively High
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Rochester agencies work with

Of the 17 Rochester agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare10 agencies
Medicare Advantage8 agencies
Aetna7 agencies
Centene5 agencies
Corebridge (AIG Life)5 agencies
Humana4 agencies
Pruco Life Insurance Company4 agencies
Ameritas Life Insurance3 agencies
CHA HMO,3 agencies
COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Rochester agencies are

Rochester agencies we list sit in 10 ZIP codes, mostly in Monroe County.

146238 agencies
146041 agency
146061 agency
146071 agency
146101 agency
146121 agency
146141 agency
146161 agency
146181 agency
146251 agency

Questions

Life insurance in Rochester

All insurance agencies in Rochester · Life insurance across New York

Where can I find life insurance in Rochester?

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.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Rochester agencies work with?

Among the 17 Rochester agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (10), Medicare Advantage (8), Aetna (7), Centene (5), Corebridge (AIG Life) (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Rochester?

FEMA's National Risk Index rates inland flooding risk in Monroe County as Relatively High 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.

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.

Nearby

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