Protect What Matters Most-Without the Hassle

Personal Insurance in New York State for Homes, Cars, Rentals & More

We help families and individuals across New York find the right personal insurance coverage for their lives. Whether you own a home, rent an apartment, drive every day, or just want extra protection, we're here to make insurance simple and stress-free.

Our Coverages

Local Coverage Options for Real Life

A family is sitting on the porch of their house next to a swimming pool.

Home Insurance

Protect your home, your belongings, and yourself from fire, storms, theft, and more. We help homeowners find coverage that fits their property and budget.

A family is standing in front of a door in a hallway.

Renters Insurance

Your landlord's policy doesn't cover your stuff. Renters insurance protects your belongings and your personal liability in case of fire, theft, or injury-even in a small apartment.

Two men are standing in a kitchen talking to each other.

Landlord Insurance

Own a rental property? We offer specialized coverage for property owners, including dwelling protection, liability, and loss of rent. Ideal for landlords in multi-unit or seasonal rental situations.

A family is sitting in a car looking out the window.

Auto Insurance

From daily commutes on Route 6 to weekend drives, we make sure your vehicle, passengers, and finances are covered after an accident.

A family is laying on a blanket in the grass with a dog.

Umbrella Insurance

A low-cost way to get extra liability coverage that kicks in after your other policies hit their limits. Perfect for homeowners, landlords, and high-mileage drivers.

A family is sitting on a boat in the water.

Boat Insurance

Seasonal or year-round, we help protect your watercraft from damage, liability, and unexpected accidents-whether it's on Lake Mahopac or stored in your driveway.

Why Choose a Local Independent Agent?

We Work for You-Not the Insurance Companies

  • We understand local risks. From frozen pipes to flooded basements, we know what to look for.

  • We explain everything clearly. No jargon, no tricks-just honest advice.

  • We represent multiple carriers. That means better pricing and more options.

  • We're always nearby. Call, text, or stop by-we're right here in Baldwin Place.

FAQs

  • Is personal insurance required by law?

    Some types are, like auto liability coverage if you drive in New York. Others-like homeowners insurance-may be required by your mortgage lender. Either way, having coverage protects your finances when life doesn't go as planned.

  • Can I bundle home & auto insurance?

    Yes, and we often recommend it. Bundling can lead to major discounts and simplify your billing. We'll compare multiple carriers to find the best fit for your needs.

  • What if I rent but own expensive stuff?

    That's exactly what renters insurance is for. It covers your electronics, furniture, clothing, and more in case of fire, theft, or damage-often for under $20/month.

  • Do you offer flood or earthquake insurance?

    We can help with flood insurance, which is often excluded from standard policies. Earthquake coverage is less common in this region but can be added if needed.

  • How long does it take to get a quote?

    Usually just a few minutes. You can start online, give us a call, or stop by the office. We'll walk you through your options and answer any questions along the way.

Let's Get You Covered

We'll help you find personal insurance that makes sense for your life-not someone else's. Start with a quick quote or give us a call to talk through your options.