Address

201 Oakdale Road, Johnson City, NY, 13790

Office Hours

Monday-Friday: 8am-5pm

Phone Number

(607) 754-5466

FAQs

For your convenience, our most common customer questions are answered right here.

Do you have a question that’s not listed? Reach out directly through our Contact Us page.

General Questions

To file a claim you can call our office (607)754-5466  Monday- Thursday  8am-5pm or Friday 8am-4pm. If these times do on work for you, you can call your company directly.  You can find your carriers phone number here.

Our offices is not currently open to customers or the general public. However, we are available to help you over the phone at (607)754-5466.

Car Insurance

Yes, it is mandatory in all states across the US. However, the minimum amount of coverage varies state by state. But don’t worry, when you have your auto insurance with us, we make sure your policy fits your needs (and the laws).

  1. Check for injuries: First, take care of yourself and others. Check to see if anyone is hurt. If they are, call 911.
  2. Exchange information: Share insurance info with other drivers. As well as names, addresses, and phone numbers. Make sure to get vehicle info like make, model, year, and license plate number.
  3. Take photos: Take photos of the damage to all cars involved at the scene. Get shots of the damage, and license plates.
  4.  File a report: Call local law enforcement at the scene or go to the nearest station to file a report. Make sure to get a copy of the report or the report number.
  5. Contact your insurance agency: Contact your insurance provider to report the accident and any damage to the car. A great way to always have our phone number handy in case of an emergency is to add our phone number to your contacts: (607)754-5466

The process to register a vehicle will be different due to COVID-19. 

If you want to register your vehicle in-person at the DMV you will need to make a reservation and bring all necessary paperwork.

You can put your paperwork in the dropbox outside of the DMV. (for more info see the links below)

You can mail-in all the necessary paperwork to register your vehicle. 

Find out what paperwork you will need to bring to your DMV appointment or mail-in here

List of NYS DMV locations and reservations

How to register a vehicle in NYS

  1. Liability
  2. Uninsured/under-insured motorist
  3. Comprehensive/ other-than-collision
  4. Medical payments
  5. Personal injury protection (PIP)

To learn what these coverages mean, click here

  1. Multi-car and/or multi-policy discount
  2. Defensive driver discount
  3. Good student discount
  4. Safe driver discount
  5. Low mileage discount

Please keep in mind that not all companies offer these discounts or you may not qualify for them. Give us a call so we can talk about the discounts that you do qualify for.

While your credit is checked during the quoting process, getting a quote is not a credit application. The credit check for a car insurance quote is considered a “soft pull” and does not affect your credit score.

Homeowners Insurance

  1. Dwelling Coverage
  2. Other Structures
  3.  Additional Living Expenses
  4. Personal Property Coverage
  5. Personal Liability
  1. Alarm System Discount
  2. Payments: automatic, paid in full, paperless
  3. Multi-policy Discount
  4. New roof discount
Please keep in mind that not all companies offer these discounts or you may not qualify for them. Give us a call so we can talk about the discounts that you do qualify for.

It all depends on the type of coverage you have written in your policy. The most common disasters are: fire, windstorm, hail, lightning, smoke, explosion, theft, vandalism, riot and vehicle collision. Homeowners insurance commonly excludes these disasters: earthquakes, flood, power failure, war, nuclear explosion, neglect, ordinance of law (locally forced repairs) or intentional damage.

Umbrella Insurance

Umbrella insurance could cover you in a liability claim for things such as: others bodily injury, property damage to others, lawsuits involving slander, liable and defamation of character, and legal defense costs.

All of your assets such as your house, car, and investments are exposed if you do not have enough liability insurance. Meaning, if you get sued all of your assets and future assets are at risk of being taken if you do not have enough liability insurance. Umbrella insurance could cover the liability that is above your standard policy limits.

The amount of coverage you would need depends on your assets. Coverage limits start at $1 million and go up from there. We are here to help decide what amount is best for you.