Auto, home and personal insurance
Your car, your house or apartment, the rental you own, the boat at the lake, and the liability that sits over all of it. Compared across carriers, explained plainly, and reviewed when your life changes. Each line has its own page with the New York specifics; this is the map.
I'm a licensed New York property and casualty agent and broker (PC-1934647, BR-1934647) based in Clifton Park, comparing personal insurance across several carriers: auto, homeowners, renters, condo, landlord, personal umbrella, flood, and motorcycle, boat, RV and snowmobile policies. Bring your current declarations pages and I'll quote like for like, bundled and separate, and tell you when what you have is already right.
Not sure where to start? Find the gaps first.
Twelve plain-English questions about your home, car, assets and family, a 0–100 score, and the likely gaps ranked by what they could cost you, each with the question to ask. Nothing leaves your browser unless you send it. Run the coverage gap check →
Already had the bad day? Should I file this claim? weighs the repair against your deductible and New York's surcharge and deadline rules, and tells you whether to file, pay it yourself, or call first.
The lines
Auto insurance
NY minimums and why to exceed them, SUM, no-fault, teen drivers, rideshare, deer season.
Auto →Homeowners insurance
Replacement cost, water backup, roofs on ACV, older homes, the dog-breed law, and the four things I check on every policy.
Homeowners →High-value homes
Guaranteed replacement, scheduled jewelry and art, second homes, household staff.
High-value homes →Renters insurance
Why the lease requires it, what it covers, and the certificate for the landlord.
Renters →Condo and townhouse
Walls-in limits from the master policy, loss assessment, the master deductible.
Condo →Landlord insurance
Two- to four-family houses, DP-3 forms, loss of rents, lead paint, vacancy.
Landlord →Personal umbrella
$1 to $5 million above auto and home, often for a few hundred dollars a year.
Umbrella →Flood insurance
NFIP and private flood, the 30-day wait, the Mohawk, the Hudson and the creeks.
Flood →Motorcycle, boat, RV and snowmobile
Specialty policies for the things auto and home policies barely cover.
Recreational →How I quote
- Like for like. Your current declarations pages set the baseline: same limits, same deductibles, same endorsements, across several carriers.
- Then the fixes. Where the current policy is thin (minimum auto limits, no water backup, an ACV roof), I show what the fix costs alongside.
- Bundled and separate. Both totals, so the discount doesn't hide a worse deal.
- A straight answer. If what you have is right, I'll say so.
The other half of personal insurance
Life insurance, annuities, health coverage under 65 and disability income are on the life and health pages. Medicare has its own section.
What I need to quote
- Your current declarations pages, auto and home.
- Drivers and vehicles (VINs help).
- For the home: address, year built, updates, and any claims.
Common questions
Short answers to what people ask before they call.
Still have a question? Call (518) 902-8822 or book a call.
What are New York's minimum auto insurance requirements?
Liability of $25,000 per person / $50,000 per accident for bodily injury and $10,000 property damage, plus $50,000 no-fault (PIP) and uninsured motorist cover. Those minimums are low; a single serious accident exceeds them. I recommend at least $100,000/$300,000 and often an umbrella.
Is bundling auto and home really cheaper?
Usually yes; the Insurance Information Institute puts the multi-policy discount at 5 to 15 percent, and some carriers advertise more. But not always the cheapest total: a discount on a high base rate can cost more than two separate policies at lower ones. I quote bundled and separate and show you both. When bundling wins and when it doesn't.
How often should I re-shop my insurance?
Every two or three years, or whenever something changes: a new car, a new driver, a renovation, a move, a claim. Carriers reprice constantly and the one that was cheapest at 30 is rarely the cheapest at 50. A review takes fifteen minutes with your declarations pages.
Can you help with life and health insurance too?
Yes; those are on the life and health pages. I'm licensed for life, accident and health as well, and certified with NY State of Health.
Get an auto or home quote
Your current declarations page is all I need to compare like for like. If you're already well placed, I'll say so.
Where I work
I'm based in Clifton Park and work in person across six counties, the four on the map plus Warren and Washington, or by phone.
Close to the Clifton Park office: Clifton Knolls, Country Knolls, Rexford, Vischer Ferry, Jonesville, Groom's Corners and Halfmoon across Route 9 — I'll come to you at home.
Auto, home and business insurance by town
Medicare has its own county and town pages.