NEWS UPDATE: Long-established Karl W. Reynard, Inc. located in Stamford, NY has joined NBT Insurance Agency, LLC. Read more...
WELCOME TO OUR NEW SITE!
Now you can start a quote online, explore insurance products and services in more detail, and even schedule an appointment online. Take a look around!
Insurance for Home, Auto, Business, & More
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Personal Insurance
We don’t want to rush your insurance coverage. We want to get it right and design coverage for you and your needs.
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Home
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Auto
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Home & Auto Bundle
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Recreational Vehicles
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Umbrella Policy
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Life & LTC
Home
A home is more than just a place to live, which is why it's so important to protect and safeguard your home from theft, loss, and natural disasters. Homeowners insurance goes beyond covering your structure, it can also protect what’s in your home as well. Whether you're a new homeowner just starting out or would like to review and update your existing home insurance policy, we have personalized insurance solutions that are right for you.
Automobile
Auto insurance is not one-size-fits-all—there are many factors to consider when insuring your vehicle. With the right coverage, you can manage your risks and minimize your out-of-pocket costs in the event of an accident. That's why we take the time to learn about what you need and create a policy that's just right for you. With a personalized plan, you can better handle risks and reduce expenses if there's an accident.
Home & Auto Bundle
If you own a home and automobile, you may want to consider bundling your auto and home insurance together! Bundling insurance policies can make it easier to manage your insurance all in one place and can potentially save you money with multi-line discounts! We can explore these potential savings by reviewing your home and auto insurance policies to see how bundling policies together may benefit you.
Recreational Vehicles
Life is an adventure! Whether you own a boat, snowmobile, ATV, RV, or camper, you’re out there to find adventure and make memories, and finding the right coverage for your recreational vehicles is equally important. Before you head out on your latest journey, make sure you have adequate coverage so you can hit the road with less worry.
Umbrella Policy
A personal umbrella policy will help cover your personal liability when your home or auto limits are exhausted. In unforeseen circumstances where damages or court expenses exceed the limits provided by home or auto policies, umbrellas policies bridge those gaps and offer additional coverages. Once your home or auto policy reaches its cap, the burden of covering the remaining costs can fall on you.
Life & LTC
Life insurance plays a critical role in the financial security for those who matter most to you. We offer a wide range of life, long-term care, and disability insurance solutions to help meet your financial goals. Our team is here to help you obtain the appropriate coverage for the life you lead and to help protect your future by protecting your loved ones.
95%
Customer
Retention Rate
100+
Partner
Carriers
Business Insurance Solutions
Your business is unique, which is why our trusted insurance advisors get to know you and your business so they can help make sure your livelihood is properly protected. We help many small- to medium-sized businesses, including healthcare, technology, wholesale and distributors, construction, agribusiness, public entities, and nonprofits.
Employee Benefits
Looking to build or revamp your employee benefit program? Our team becomes an extension of your human resource department to educate employees on their plan offerings and assist them with their coverage-related needs. Our employee benefit consultants can help your organization identify where your team can leverage technology to create efficiencies and reduce redundancies. We understand each business has its own set of unique needs — which is why we offer customizable solutions suited to your employees.
Complimentary Insurance Review
Let us review your current insurance coverage to see if we can find better coverage for you, your family, or your business.
