Robert J Hoy Insurance

For over 50 years, Robert J. Hoy Agency has been a cornerstone of the insurance landscape in Fulton, Montgomery, Hamilton, and Saratoga Counties. We take pride in being a locally owned and operated agency, deeply invested in the well-being of our community and its residents. Born from a desire to provide personalized insurance solutions, we have grown to serve a diverse clientele, offering a comprehensive range of insurance products tailored to individual and business needs.

From the heart of the Sacandaga Lake Region, we extend our reach to Broadalbin, Mayfield, Northville, Edinburg, Gloversville, Johnstown, Amsterdam, and beyond. Our commitment to our clients extends beyond simply providing coverage; we strive to build lasting relationships based on trust, transparency, and exceptional customer service.

Our Values

At the core of our agency lies a strong set of values that guide our every interaction with clients and our partners.

• Independence: As an independent agency, we have the unique advantage of working with multiple leading insurance carriers. This allows us to meticulously compare quotes and policies, ensuring our clients receive the most competitive rates and the coverage that truly aligns with their individual needs.
• Personalization: We believe in treating each client as an individual. We take the time to understand your specific circumstances, concerns, and goals, crafting insurance solutions that provide peace of mind and financial protection.
• Expertise: Our team comprises experienced and knowledgeable insurance professionals dedicated to staying abreast of the latest industry trends and regulations. We leverage our expertise to provide insightful guidance, helping clients make informed decisions about their insurance coverage.
• Accessibility: We are committed to making insurance accessible and understandable. We encourage open communication, ensuring clients feel comfortable asking questions and voicing their concerns.

Our Services

We offer a comprehensive suite of insurance products designed to safeguard your valuable assets and provide financial security in various life circumstances.

• Personal Insurance: Our personal insurance offerings encompass a wide range of coverages to protect your home, personal belongings, and loved ones.
• Auto Insurance: We offer personalized auto insurance policies that cater to diverse driving needs and budgets.
• Home Insurance: Whether you own or rent, we provide comprehensive home insurance to protect your property from unexpected events.
• Renters Insurance: Protect your personal belongings and liability with our affordable renters insurance policies.
• Life Insurance: Secure your family's financial future with our reliable and customizable life insurance options.
• Long-Term Care Insurance: Plan for future healthcare needs with our long-term care insurance policies.
• Umbrella Insurance: Extend your liability protection with our umbrella insurance policies.

• Business Insurance: We understand the unique insurance needs of businesses of all sizes.
• Commercial Property: Protect your business property from damage or loss.
• General Liability: Safeguard your business against potential lawsuits.
• Workers' Compensation: Protect your employees in case of work-related injuries.
• Commercial Auto: Ensure comprehensive coverage for your business vehicles.

For your recreational vehicles and watercraft, we offer specialized insurance policies to protect your investments and provide peace of mind.

• Motorcycle Insurance:
• Snowmobile Insurance:
• Boat Insurance: