Coverage
Insurance Services in Fulton & Montgomery County, NY
Independent insurance for the families, homes, and small businesses of the Mohawk Valley. Browse our coverage lines and learn what each policy actually does.
Bashwinger Insurance is an independent agency, which means we represent multiple national and regional carriers and shop your policy across all of them. Below are the coverage lines we write most often across Fulton and Montgomery County. Click through to any service for a deeper explanation of what's covered, what's excluded, and what to ask about for your specific situation.
Home Insurance
Homeowners coverage built around upstate New York realities — older housing stock, ice dams, oil heat, and rural risk.
Explore coverageAuto Insurance
NY auto coverage tuned for Fulton and Montgomery County drivers — winter roads, deer country, and rural commutes.
Explore coverageBusiness Insurance
BOP, general liability, commercial property, and workers comp for small employers across the Mohawk Valley.
Explore coverageRenters Insurance
Affordable renters coverage for Amsterdam, Gloversville, Johnstown, and surrounding rental markets.
Explore coverageMotorcycle Insurance
Bike coverage with seasonal storage discounts for Adirondack-bound riders.
Explore coverageFlood Insurance
NFIP and private flood policies for Mohawk River corridor properties.
Explore coverageUmbrella Insurance
Extra liability protection above your home and auto policies — usually $150–$300 a year for $1M.
Explore coverageCommercial Vehicle Insurance
Coverage for contractor trucks, work vans, and fleets registered in NY.
Explore coverageGet Your Free Insurance Quote Today
No obligation. Local agents. 50+ years serving Fulton & Montgomery County.