Motor Vehicle

• Auto Insurance
  If you are a car collector in New York, it is time to get your classic car insurance coverage. At Skeele Agency, Inc. we have been in the auto insurance business for over 50 years and we understand how precious your classic car is. This is the reason we offer specialized auto protection.
• Motorcycle Insurance
  As much as you take precautions while you’re out riding your motorcycle, you are never completely protected without an insurance policy. Skeele Agency, Inc. helps you in determining the right policy that suits you and your motorbike the best. Because we work with various insurance carriers, we can provide you with the right motorcycle coverage at competitive rates. We provide the following types of motorcycle insurance, including...
• Boat Insurance
  If you are a water sports enthusiast or own a boat or a ski jet, it’s high time you discovered the perfect insurance policy for your needs. Failure to obtain proper coverage exposes you to a myriad of risks in unpredictable waterways. When you contact us, we do a thorough analysis of the boat or Jet Ski and advise you on the best coverage. Some of the factors that influence your watercraft insurance policy include the value, age, length, and ownership of each vessel. At the same time, we examine the horsepower or speed as well as the condition of the vessel.
• RV Insurance
  Over the years, we have gathered unrivaled experience in the greater New York area and have effectively bridged the gap, making sure that we keep you covered. Situated in the heart of New York, we also extend our recreational vehicle insurance coverage to Chittenango, Manlius, DeRuyter, Waterville, Moravia and Cazenovia.
• Snowmobile Insurance
  The average cost of snowmobile insurance packages is between $300 and $400 per year. If you prefer purchasing liability coverage only, packages can cost as little as $80 to $100 annually.
• Mobile Home Insurance
  Your personal possessions can also be covered to ensure they are secure. This is a huge relief because moving your mobile home to a new location can result in plenty of vulnerabilities that can result in insurmountable losses. Mobile home insurance prevents this, which is why you have to make sure you acquire appropriate coverage.
• ATV Insurance
  All-terrain vehicles, or ATVs, are aptly named because when it comes to rough, rugged, or wild terrain, this type of vehicle has you covered. But did you know that you need an additional ATV insurance policy to have it protected? The risk that comes with such vehicles cannot be overstated, not only because of the terrain they tackle but also because of the nature of their build. They are like motorbikes on four wheels, meaning that you, as the driver, are not covered except for the helmet.
• Inland Marine Insurance
  Inland marine insurance, also known as tools and equipment coverage, is designed to provide insurance coverage to property while in transit. Getting the right inland marine insurance coverage in New York is a herculean task for many business owners. This is despite the fact that there are thousands of companies transporting high-risk materials and goods across states.
• Truck Insurance
  Whether you own a fleet of commercial trucks, or you are a driver, you need to have commercial truck insurance for your vehicle. Our specialized coverage can protect against the loss of your truck while also paying for damage to the load, medical expenses, and property damage.
• Jet Ski Insurance
  We advise all clients who are looking for boat or jet ski insurance to consider some additional coverage. If you have expensive navigational equipment, for example, we would tailor the policy to include even that.

Property

• Renters Insurance
  This type of insurance doesn’t just cover your belongings and valuables; it is so much more than that. For starters, did you know you are responsible for any injuries that a person incurs while in your home? Injuries come in various forms, like someone tripping due to a slippery floor or on a loose rug edge. This means that you can be sued in addition to paying for their medical bill. This, of course, is dependent on the nature of the injury and your relationship with the injured party. To be safe from such a personal liability, a renters insurance policy covers these events.
• Home Insurance
  Some people are reluctant to insure their vacant homes. In most cases, budget restricts people from making that important decision. With Skeele Agency, Inc., you can effortlessly find a policy that is ready to work within your budget to provide you with the most suitable insurance. Our experienced agents help you to compare different quotes so that you find the most affordable option to cover your empty home. The reason we emphasize the need for a specified vacant home insurance policy is that standard building insurance may not be willing to cover your property. There are various reasons why your property may be vacant for some time, including the following...
• Condo Insurance
  The insurance for the condo building and the land it’s built on is the responsibility of the condominium association and not the condo owner. This does not cover the interior of the individual condos, meaning that as the owner, it is your responsibility to ensure your possessions are insured.
• Landlord Insurance
  The list is not conclusive, but when you call us to get a quote, all your inquiries will be responded to professionally. The landlord insurance policy also covers other structures on your property, including garages, sheds, and items such as washers, dryers, and microwaves used by your tenants.

Health and Life

• Life Insurance
  At Skeele Agency, Inc., we understand that while you love your family dearly, you may not always be there. We advise you to get life insurance today to protect your family in the event of a tragedy. It is not a pleasant topic to think about, but you have to consider how your family would fare if you were not around anymore. There are many benefits of this type of life insurance coverage, including the ability to borrow against the cash value, keeping the policy until you are 100 years old, and tax-deferred growth – because you don’t pay taxes on interest, dividends, or capital gains until you withdraw these proceeds.
• Health Insurance
  At Skeele Agency Inc., we have provided life, investment, and health insurance packages to thousands of families since our launch in 1958. Throughout the same period, we have seen families torn apart by strife when the primary wage earner is bedridden or passes away. It is for this reason that we provide the widest range of insurance quotes for every investor or household in New York.
• Vision Insurance
  From Medicare, vision insurance, and other specialized coverages, we work with the best insurance carriers in the industry to offer you the best plan.

Business

• Business Insurance
  Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.
• Workers Compensation Insurance
  In line with the insurance regulations of federal and state authorities, Skeele Agency, Inc. offers workers compensation and New York State Disability solutions. With our main office in central New York, we serve surrounding areas like Chittenango, Waterville, Manlius, Moravia, Deruyter, and Cazenovia.
• Commercial Liability Insurance
  Why would you want specialized coverage while you already have a business liability policy? Well, being a four generation local business and through our years of experience, we have seen the need to offer customized coverage for restaurant owners.
• Professional Liability Insurance
  If you offer professional services, it is time to leverage our versatile professional liability insurance. At Skeele Agency, Inc., we understand that even professionals make mistakes and having professional liability insurance can protect you in case you are sued for negligence in performing your duties.
• Restaurant Insurance
  At Skeele Agency, Inc., we have optimized our restaurant insurance to give you the right coverage to protect you from financial losses arising from claims against your restaurant.

Personal

• Liability Insurance
  Our umbrella insurance policies add protection to your pre-existing insurance such as homeowner’s, boat, auto, and bed and breakfas t policies. The name umbrella arises from the fact that it covers you collectively. The basic policy covering your home, motor vehicle, boat, and inn will first apply to compensate victims up to the extent specified by the policy limit. Beyond that, umbrella insurance is used to offset any additional damages up to the maximum threshold.

Natural Disaster

• Flood Insurance
  With the weather becoming increasingly unpredictable, you cannot afford to be uninsured against floods. As a primary provider of flood insurance in the New York area, we have witnessed firsthand the devastation imposed on families by the unpredictable acts of Mother Nature. Fortunately, most of these residents had taken up policies that came to their rescue when the rains flooded their homes and offices. You too, should contact one of our agents today and take advantage of this coverage. The icing on the cake is that we help you choose the most appropriate flood insurance solution from a number of providers, saving you from the dilemma that most people face when searching for insurance.