- Auto InsuranceRobert J. Hoy Agency has been providing insurance coverage to Fulton, Montgomery, Hamilton, and Saratoga County for more than 50 years. Whether insuring a brand new home, needing renters insurance, or car insurance, we can help! From recreational vehicles like RV's, Boats, and ATV's, we help protect all of your items large and small. We live and work here and are proud to be your local independent agent serving the Foothills of the Adirondacks and Sacandaga Lake Region; including Broadalbin, Mayfield, Northville, Edinburg, Saratoga, and beyond. To receive a free quote for auto, home, business, or life insurance, please call or visit us at any one of our three locations in Broadalbin, Northville, or Saratoga Springs!
- Motorcycle Insurance
- Boat InsuranceLiving in the 44-Lakes Region, there are plenty of opportunities for boat enthusiasts to get out on the water. We can provide specialized boat insurance coverage for your boat or personal watercraft. Whether a speed boat, sailboat, fishing boat, or Jet Ski, we can protect you for...
- Snowmobile InsuranceWhen a good snow falls, it is important to make certain your snowmobile insurance is up to date. To properly cover your sled, you need a snowmobile policy that provides a wide range of coverage including...
- Renters Insurance
- Home InsuranceFor many, a home is the most important purchase they will ever make. Have you considered what can happen to it and how much it will cost to rebuild or replace it along with your damaged or destroyed personal belongings? Ask us to explain the following coverage areas to make sure you are properly protected. Make your home a safe haven and protect your most valuable tangible asset. Ask us about the following coverage areas that make up a typical homeowners insurance policy.
- Life InsuranceThe devastating emotional and financial impact of a long-term care event is typically felt by the whole family, immediate and extended. We protect our family in our working years with Life Insurance...why shouldn't we protect our family in our retirement years with Long-Term Care Insurance?
- Health InsurancePrivate Health Insurance is designed to pay for preventative and rehabilitative care, NOT Long-Term Care. Medicare pays only for skilled care, under specific conditions and on a limited basis for up to 100 days. Medicaid pays only after you have spent down your income and assets to the poverty level... and... even then your options are limited.
- Long Term CareWe have worked hard to satisfy and service many of your insurance needs and will continue to do so. We appreciate your business. In an ongoing effort to provide our clients with additional services, and due to rising concerns about extended care and the devastating financial and emotional impacts of a long-term care event, we have partnered with New York Long-Term Care Brokers, LTD, to assist in your long-term care planning.
- Business Insurance
- Workers Compensation Insurance
- Liability InsuranceAn Umbrella Liability Policy extends the basic coverage provided under different types of liability coverage, including home, auto, boat, and renters policies. Think of an Umbrella Policy as excess liability insurance over and above your underlying limits. The Umbrella Policy kicks in once those limits have been exhausted in the event of a lawsuit brought against you. Most Umbrella Policies require a minimum level of liability coverage under your home, auto, etc. Why consider an Umbrella? Accidents can happen. The cost of property damage and injuries to other parties can exceed the limits of your policy. An Umbrella Policy is a cost effective way to protect your assets and provide you with further peace of mind.