The top-rated home insurance agent in Fulton, New York is Janet Lake - State Farm Insurance Agent, rated 4.9 stars across 88 reviews. Other highly rated options include Horan Companies - The Insurance Place, OVIA Insurance Agencies, Paul Crisafulli - State Farm Insurance Agent. This directory lists 10 home insurance agents serving Fulton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Janet Lake - State Farm Insurance Agent | 501 1/2 S 2nd St | (315) 887-4037 |
| 2 | Horan Companies - The Insurance Place | 67 S 2nd St | (315) 592-2961 |
| 3 | OVIA Insurance Agencies | 60 S 1st St | (315) 598-4278 |
| 4 | Paul Crisafulli - State Farm Insurance Agent | 210 Oneida St | (315) 593-2434 |
| 5 | Eastern Shore Insurance Agency | 101 Cayuga St | (315) 598-6000 |
| 6 | Robert J MacDougall Agency Inc | 18 Nestle Ave | (315) 598-2745 |
| 7 | Smart Insurance agency Fulton | 696 Silk Rd | (315) 592-7850 |
| 8 | Canale Insurance & Accounting | 201 S 2nd St | (315) 598-2255 |
| 9 | Nationwide Insurance: Lance D Wiltse | 120 Cayuga St Ste D | (315) 592-3537 |
| 10 | Ballard & Associates | 215 S 1st St | (877) 374-1783 |
Janet Lake - State Farm Insurance Agent serves the greater Fulton area and Oswego County. As a home insurance agent, this business offers homeowners policies that protect clients’ dwellings, personal property, and liability exposures in the local market. Coverages for wind, hail, fire, and theft are standard elements of residential plans tailored to needs in central New York. The agency also assists with rental dwelling insurance for landlords managing properties in the region. Additional services frequently handled here include personal umbrella policies and flood insurance options for eligible homes.
Horan Companies - The Insurance Place serves homeowners in Fulton and throughout the surrounding New York area with residential property coverage. Commercial insurance policies are also available for local small business owners. Their independent agents provide basic dwelling protection as well as liability and personal property options. Between regular home policy renewals, clients can schedule check-ins to review coverage limits or ask questions about recent home improvements. They welcome follow-up visits to adjust policies as household needs change.
OVIA Insurance Agencies serves homeowners in Oswego, New York, alongside local business owners and property managers seeking residential coverage. The agency provides standard home insurance policies that protect dwellings and personal belongings against common regional hazards like winter storms and lake-effect weather. Clients appreciate clear policy explanations and straightforward claims assistance. The company also extends its professional services and coverage options to residents in nearby Fulton, ensuring comprehensive protection for property owners throughout northern Oswego County.
Paul Crisafulli - State Farm Insurance Agent in Fulton, NY, provides a range of home insurance options, including coverage for dwelling, personal property, and liability. The company offers regular policy reviews and can adjust coverage plans to reflect changes in a customer’s home or belongings. It assists with filing claims and ensuring clear communication throughout the process. The agency services single-family homes, condominiums, apartments, and retail and restaurant properties.
Eastern Shore Insurance Agency serves homeowners, landlords, and property managers in Fulton, New York, offering standard home insurance policies that help protect houses and their contents from common regional risks. The agency also helps clients review policy limits and deductibles to ensure adequate coverage for local weather conditions. They provide guidance on required coverage for rental properties and secondary homes. The company extends its services to nearby communities in Oswego County, including the city of Oswego.
Robert J MacDougall Agency Inc serves Fulton, NY, and the surrounding Oswego County communities, handling home insurance needs for local homeowners. The agency assists clients in selecting policies that provide coverage for property damage, personal liability, and additional living expenses. It offers guidance on standard and optional protections tailored to the region's weather patterns and property values. For a typical job, the agency reviews a client's specific exposure and budget to recommend appropriate coverage limits and deductible options.
Smart Insurance Agency Fulton in Fulton, NY distinguishes between a single-policy purchase for immediate home protection and an ongoing service relationship that includes annual reviews and adjustments. Their coverage options shield local homeowners against property damage, liability claims, and additional living expenses from common regional perils like snowstorms or aging infrastructure. Services are available on an as-needed basis for immediate concerns such as filing a claim or updating policy limits.
Canale Insurance & Accounting in Fulton, New York provides home insurance solutions tailored to local property owners. The agency’s coverage options help safeguard houses, condominiums, and rental units against common perils like fire, severe weather, and liability claims. Clients can discuss personalized deductibles and bundling accounts for potential savings. Additional specialty services include scheduled personal property riders for valuables such as jewelry, fine art, or collectibles.
Nationwide Insurance: Lance D Wiltse offers tailored home insurance policies, including coverage for dwelling, personal property, and liability protection. It generally assists local homeowners in securing financial safeguards against unexpected damages and losses. In the Fulton area, the agency helps clients prepare for specific seasonal concerns, such as addressing spike in claims from heavy lake-effect snow and ice dam formation on roofs during winter months.
When winter storms threaten Fulton homes, Ballard & Associates provides local guidance on securing adequate coverage for potential ice-damage and wind claims. This home insurance agent works with area homeowners to tailor policies that address typical regional risks. A consultation starts with reviewing existing limits and deductibles. For a new policy, the process begins with an inspection of the property to assess its replacement cost and condition.
What Does a a Home Insurance Agent in Fulton Cost?
The cost of home insurance in Fulton, New York typically ranges from 800 to 1500 dollars per year for a standard policy. Factors like your homes age, location, and coverage limits affect the price. New York law does not set fixed rates, so costs vary by case. This is general information, not insurance advice.
About home insurance agents in Fulton
Home insurance agents in Fulton, New York help residents protect their homes and belongings. New York law requires insurers to offer coverage for fire and extended perils, but flood insurance is usually separate. A local agent can explain how these rules apply to your Fulton property.
Frequently Asked Questions
What does a home insurance agent in Fulton do?
A home insurance agent helps you find a policy that fits your needs and budget. They explain coverage options like dwelling protection and liability. They also assist with claims and policy changes.
Do I need flood insurance in Fulton New York?
Flood insurance is not required by New York state law for most homes. However, if your home is in a FEMA-designated flood zone, your lender may require it. An agent can check your flood risk and help you get a separate policy from the National Flood Insurance Program.
How do New York insurance laws affect my home policy?
New York requires insurers to offer coverage for fire, lightning, and internal explosion. You also have a right to renew your policy unless specific conditions apply. Your agent can explain these protections and any time limits for filing a claim.
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