Personal Insurance

Auto insurance, required by New York State Law, is sometimes considered a necessary evil.  You may not want to pay for it, but if you ever have a claim, you’ll sure be thankful for the guidance you receive from Wolf Agency.  We have companies for the excellent driver with stellar credit…to the person with not-so-decent credit or the driver unfortunate enough to have experienced tickets or accidents.

Have you ever heard of Water Back-up coverage? You’ll find it routine practice at Wolf Agency to ask if you need coverage against everyday risks - some which you’ve never considered. We represent many outstanding and competitive companies, so we’re sure to find one best suited for you, your family and your budget.

Do you travel in a motorhome for vacations? We can insure your family and your costly coach so you’ll never have to worry, when you’d rather just relax.

From coverage for your antenna to replacement cost on your contents, our companies can quote the coverage you’re looking for to protect your mobile home.

Do you own rental properties? No problem. We have options to fit everything from your vacant property to occupied multi-family units. If you own them commercially, please visit our Commercial section to find out more.

If you’re going to get sued, do you think it will be for less than a million? No homeowner should be without an Umbrella Liability policy. You’ll find it’s one of the best insurance buys because it gives you additional liability in increments of a million in coverage.

Has your agent ever discussed loss assessment?  If you own a condo and there happens to be a serious claim in a common element within your property, more than likely all owners will be assessed partial responsibility for payment of the claim.  Ask us how we can help get you the coverage you need.

Even apartment dwellers need insurance - without it, they have no protection for contents or personal liability. Ask us for a quote to cover your contents and give you full liability coverage - you’ll be pleasantly surprised to discovert peace of mind is quite affordable.

Motorcycle riders know the feeling of freedom on the open road better than any anyone. But why worry while you’re enjoying this one-of-a-kind sensation? Whether you own a small motorcycle or a Harley Electra Glide, we can help get you full coverage at a competitive price. Stop worrying - and ride!

Unlike a typical Homeowner or Auto policy, the language and provisions in boat and yacht policies can vary tremendously from company to company, and even from policy to policy. And, insuring a boat is completely different than insuring a yacht. Yachts typically include vessels 27 or more feet in length, while boats are 26 feet or less. You need to decide whether to insure your yacht for agreed value or depreciated value. Selection of a deductible will significantly affect the policy cost. Protection and Indemnity insurance for a yacht provides much broader coverage than the standard Liability coverage. Salvage cost coverage is extremely important, and is vastly different than standard towing coverage. Navigation limits must be adhered to, as well as layup period. These are just a few factors you need to address when purchasing your insurance. You really need to deal with an agency that has expertise in Marine Insurance.

There’s nothing like the feeling you get when you’re blasting over the waves on a Jetski, but it’s a sport requiring very particular insurance. Give us a call - we have a company for you.

Good friends, great riding and a perfect reason to get out of the house. For many enthusiasts, ATVs are a way of life. Play it safe, and be sure to have the insurance coverage you need – give us a call!

Snowmobilers know: if you have to ask why do it, you just wouldn’t understand. Whether it’s an old snowmobile and you only need liability or a brand new one requiring physical damage coverage, we represent the company you need.