Personal Insurance Products

Insurance Agency in Potsdam, NY

At Potsdam Insurance Agency, we understand how important it is for you and your family to feel secure and taken care of, regardless of what life throws at you. For this reason, our agency offers a wide range of personal insurance products that will help cater to your unique needs and will effectively protect you against potential losses. For any questions about personal insurance, please feel free to contact us, our representatives are happy to help.

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We look forward to speaking with you to find the best insurance solutions and the fairest rates. Please contact us with any questions.

Our Full Spectrum Of Personal Products Include The Following

Home Insurance

Find the homeowner’s insurance plan right for your property that will protect your family, property and possessions.

Auto Insurance

Rather than paying astronomical out-of-pocket fees for auto accidents, find an auto insurance plan with a claim that will help you to stay safe and on the road. We can also help you find the right insurance plan for your recreational vehicle.

Auto Insurance

Rather than paying astronomical out-of-pocket fees for auto accidents, find an auto insurance plan with a claim that will help you to stay safe and on the road. We can also help you find the right insurance plan for your recreational vehicle.

Umbrella Insurance

Not all of life’s occurrences fit into a neat category. To help protect your assets in a larger sense, work with us to find an umbrella insurance plan that works for you.

Boat Insurance

Protect your water-bound vessel and your peace of mind with boat insurance. We’ll help you find a policy for your boat, whether it’s a yacht or a dingy!

Boat Insurance

Protect your water-bound vessel and your peace of mind with boat insurance. We’ll help you find a policy for your boat, whether it’s a yacht or a dingy!

Renters Insurance

Protect your belongings from theft, fire and other occurrences with renters insurance.

Motorcycle/ATV Insurance

We offer Motorcycle/ATV Insurance options designed to protect your vehicle and keep you safe on the road or trail. Contact us today to find the best policy for your recreational vehicle.

Regardless of your needs, the agents at Potsdam Insurance will work with you to find affordable solutions that will protect you and your family from whatever life brings you.

Will homeowners insurance cover tree removal?

Generally, homeowner insurance does not cover the removal of trees unless they fall on a fence, garage, or other structure and cause damage.

Is home insurance required?

Unlike owning a car, you can legally own a home without homeowners insurance, but your lender will probably require some level of coverage. Homeowner insurance provides financial protection for your home and personal belongings from damage or theft, but it is not legally required.

Who notifies my insurance provider when I pay off my mortgage?

You, as the homeowner, are required to notify your insurance provider to remove the mortgagee.

What is Actual Cash Value?

This is how much it costs to replace an item minus depreciation. For example, your refrigerator may have cost $2,000 when you first bought it but then depreciated by 50%. Based on its actual cash value, you should be paid $1,000 for it.

What is Replacement Coverage?

If your policy offers replacement coverage, you will receive the cost of the item without considering depreciation. However, these policies limit your payout to a maximum dollar amount, which is the limit on the policy.

Why is car insurance important?

Car insurance doesn’t only protect your car in the event of an accident. It also protects you from financial liability, medical expenses, and also from legal consequences. All but two states require you to have auto insurance so that you can pay for the damages you’re liable for after a car accident.

Will car insurance cover engine failure?

In most cases, engine failure is not covered by your car insurance. Car insurance policies must provide required coverage which can include liability for bodily injury, liability for property damage, personal injury protection, and uninsured motorist coverage.

When do I add my newly permitted driver to my policy?

We do not add a young driver until they get their actual license.

How long do you have to transfer insurance to a new car?

While policies that extend coverage to new cars typically give you anywhere from seven to thirty days to inform your car insurance company that you purchased a new vehicle, it is always a good idea to call your agent before picking up the car.

How do you take a car off your policy?

Go to the DMV first, turn your plates in, and bring the receipt to us.

To learn more about our personal or commercial insurance products, contact us today by calling 315-265-9650.

Potsdam Insurance Agency

70 Market St. Suite 3
Potsdam, NY 13676

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Get In Touch

Phone: 315-265-9650

Email: pdmins@twcny.rr.com

Hours of Operation

Monday - Thursday:
8:30 am to 4:30 pm

Friday:
8:30 am to 4:00 pm

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