Accidents are unexpected and can be costly. Auto insurance provides coverage for vehicle damage, medical bills and associated legal expenses that can arise.

New York State law requires registered vehicles to carry auto insurance. Lack of proper coverage can result in loss or suspension of driver’s license, revocation of registration and other legal consequences. LOCAL Insurance Agency can individually determine the appropriate coverage for each of our clients.

Personal Coverage Protection

New York State is a NO FAULT auto insurance state with personal insurance protection (PIP) included to provide coverage for medical expenses, loss of wages and other related costs for the driver and passengers. Here at LOCAL we can help you find the appropriate additional coverage to protect you and your passengers.

We are passionate about our work and excel in it. We dedicate ourself to delivering top-notch service to our clients, striving to be efficient in providing quotes/changes and prompt in our communication via email, text, and phone calls.

We strive to streamline processes for our clients by offering convenient services such as DocuSign, texting, and emailing, allowing them to avoid significant disruptions to their time.

We carefully review insurance coverages with our clients to ensure that they understand the choices and reasons behind our specific coverage selections. Navigating insurance can be confusing and overwhelming at times, therefore we foster open lines of communication to help put our clients at ease.

We value our clients and strive to maintain positive relationships. In the unfortunate event of a major claim, we want our clients to feel at ease reaching out to us. Building trust with our clients is one of the main reasons we emphasize the importance of not only trusting but also liking your agent.

"I have been with Katy for years and she is nothing but impressive. She has written multiple policies for me from business, home, auto, watercraft, motorcycle. Her attention to detail is second to none. She writes the policies and continuously follows up ensuring proper coverage and best rates. 10/10 recommend to anyone."

"Katy put our needs first when we were buying our home in need of homeowners insurance.  She researched multiple providers and found the one that best fit our needs at the right price.  She didn't try to sell us on a policy that we didn't need. Always professional and very responsive."

"I've had the pleasure of working with Katy, my insurance agent, for the past 8 years, and I can confidently say she's been exceptional. Her dedication to finding the best coverage for my needs and her promptness in handling any issues or questions have truly made a difference. I feel secure knowing she's looking out for my best interests. Katy goes above and beyond, and I wouldn't hesitate to recommend her to anyone seeking reliable and personalized insurance service."

"Katy has been a staple in the local insurance industry for many years now. She provides the best service, the most knowledge, and finds the right policy to fit your needs. In an industry where most people shop around, I don’t even bother doing so after meeting Katy. I already know I’m getting the best of what’s available. I would give six stars out of five if I could."

This is the amount held back during a covered claim that is assumed by the insured.

There are many different options and plans for life insurance. A plan can be customized so that the price and coverage is tailored to each client.

Yes it can help with pricing! Many carriers offer a discount to those who have their home and auto within the same agency.

Insurance premiums are based on many factors that include age, gender, location, coverage and credit. No two policies are the same.

Yes! FEMA flood policies can be transferred to the new homeowner as long as its the same exposure and occupancy type.