Updating our hours during COVID-19

Our agency is still open for business as we are considered an essential service.  However, in doing our part to stop the spread of COVID-19 we are taking these additional precautions:

We will not be offering Saturday hours or extended evening hours until further notice.  Both offices are open Mon-Fri 8:30-5pm.

We are prohibiting access to our buildings for the general public, and will only service customers at our service window.

We encourage you to use electronic options for communication and payments whenever possible:

Fort Plain 518-993-2387
Johnstown 518-762-8200
Text Messaging: 518-240-9930

Please feel free to reach out to us if we may be of help in any way. Thank you for your understanding and continued support as we take these additional temporary precautions while continuing to serve our clients well.

Our lobby is reopening!

Starting Monday, June 29, our lobby will be open for your convenience!  While things may look a little different, we are excited to care for your insurance needs in person again!

Also, beginning the week of July 6, we will once again be offering Saturday hours from 9am – noon at both offices, as well as until 6pm on Wednesdays in Fort Plain.

As always we are still available to communicate via whatever electronic means are convenient for you!

Why It’s Important to Have Commercial Insurance for Your NY Business

Commercial insurance may seem daunting with its complexities, but it really is a necessary part of having a business in New York state. Make the process a bit easier by talking to an experienced agent such as someone from Shults Insurance Agency of the Fort Plain, NY area.

Don’t Risk Being Without Commercial Insurance in NY

Business insurance is a form of risk management. A business owner takes large risks nearly every day as they navigate running their company. When you have insurance in place, you have an advantage that helps you if you end up in a tough situation. It’s a law in New York state that if you have any employees, you need to have at minimum disability benefits and workers’ compensation.

If you have vehicles that will be used for work purposes, you will need to get commercial auto insurance on them. You also may need to have some liability coverage if your landlord for the business space you rent requires it. If you’ve taken out a loan(s) from a bank, they may ask that you have insurance to protect their investments. This includes coverage for damages due to fire, life insurance, and other types.

Plan for Your Insurance in Fort Plain, NY

It’s best if you plan out what you’ll need to have covered before you go to an insurance company. Shults Insurance Agency can assist you in finding the appropriate policy to match your needs. Give us a call or stop by our office for more information.

When It’s Time to Insure Your Classic Car

From American Graffiti to cartoon Cars, America has had a love affair with the automobile for more than half a century.  As such, it is little surprise that dedicated owners have doted on their “babies” for decades leaving the Empire State with its fair share of classic automobiles.  If you have a classic car sitting in your Fort Plain NY garage, you will be more than pleased when it comes time to insure your classic car and you choose our friendly team here at Shults Insurance Agency to get the job done.

Insuring Your Passion in Upstate New York

Classic cars, or collector vehicles, includes a wide array of transportation options ranging from antique fire trucks to 70s muscle cars to World War Two military jeeps, and all manner of vehicles in between.  More than a form of transportation, these vehicles represent important historical examples of getting around.

As such, should your vehicle meet the qualifications of a collector vehicle, we look forward to sitting down and discussing the absolute best way to make sure that the vehicle is insured and safe.

Contact Our Friendly Staff at Shults Insurance Agency

When it is time for you to insure your classic car, we invite you to come visit us to discuss your options and available insurance packages.  We understand the love you have for your classic car, so we are standing by to make sure it is covered bumper to bumper against anything the road might throw at you.  Offering tailored coverage and personalized service, we are not happy unless you are happy with your coverage.

Is It Time to Update Your Home Insurance?

If you’ve recently changed your lifestyle or completed renovations to your Fort Plain, NY home, talk to an agent from Shults Insurance Agency to see if you need to update your home insurance. Major changes in your home or life could affect the cost or coverage of your policy. Here are some signs that you may need to update your home insurance to continue getting the protection you need.  

You’ve Remodeled Your Home

Major home improvements such as a kitchen remodel or adding a new bathroom can raise the value of your property. You may need to raise the limits on your dwelling coverage to reflect the new value of your home. This will ensure you have sufficient coverage to rebuild your home if it’s totally destroyed in an unforeseen disaster. You’ll also need to add these renovations to your dwelling coverage to protect them against damage or loss in a disaster.

You’ve Upgraded Your Plumbing, HVAC or Electrical System

If you upgrade your plumbing, HVAC or electrical system, you may qualify for a discount on your home insurance due to reducing your risk of water and fire damage. In like manner, you may qualify for a discount on your premium by installing a new security system in your home as it reduces your risk of theft. 

You Retired

Many insurance companies offer reduced rates to retirees, especially if you plan to spend more time taking care of your home. The more time you spend at home, the less risk there are of burglaries or vandalism.

You Purchased Expensive Electronics

If you purchased or were gifted high-end electronics, you may need to increase your property coverage to protect them from theft or damage. This requires that you update your policy.

To update your home insurance and maintain quality protection for your home, contact Shults Insurance Agency in Fort Plain, NY.

What Is Recreational Insurance?

Are you an outdoor lover living in the Fort Plain, NY area? Do you have recreational toys and vehicles, or are you thinking about buying recreational toys and vehicles soon that will need to be protected by insurance?

The insurance professionals at Shults Insurance Agency are ready to help you find the right recreational insurance policy. They can help you locate a recreational insurance policy that meets your needs, at the right price.

But, first, what exactly does a recreational insurance policy cover with regard to recreational assets.

The category of recreational vehicles covers a large variety of options. A partial list of vacation assets includes travel trailers, pop-up trailers, snowmobiles, all-terrain vehicles, teardrop trailers, fifth wheels, and motor homes, to name a few examples.

Additionally, a recreational insurance policy can protect watercraft vehicles that include a wave-runner, a sailboat, a fishing boat, and a speed boat, among others.

Those individuals living in and around the Fort Plain, NY vicinity, with a love of antique cars (and the painstaking process of restoring antique cars), will find a recreational insurance policy that protects these unique investments as well. It is noted that if an antique car is roadworthy, and driven on public roads, the antique car owner must, by law, obtain insurance to drive lawfully.

Recreational insurance offers a myriad of coverage options in the event that the recreational vehicle is stolen or damaged by fire or another incident. Further, should the recreational toy cause an accident, recreational insurance can also offer liability protection for the insured individual(s). 

To learn more about recreational insurance, reach out to insurance professionals at Shults Insurance Agency by email or call (800) 836-2885. Their knowledgeable insurance experts are ready to help you find the right recreational insurance policy to meet your specific recreational vehicle needs.

A message about COVID-19

Like many organizations, we here at the Shults Insurance Agency have been monitoring the COVID-19 virus outbreak. As always, and especially so during this challenging time, our priority is the safety and health of our team and that of our clients while continuing to serve them well.

As of now we are not considered a recreational or social business, bar, or restaurant, and as such are open and continuing to help our clients protect what’s important to them.

To ensure the continued safety of our clients and our team we are:
1. Asking that if you are exhibiting any sickness/symptoms that you please stay home.
2. Conducting office cleanings in addition to our normal routines.
3. Limiting the amount of face to face appointments with clients and prospects to only those that are necessary.
4. Utilizing technology as much as possible, phone, email, website inquiries, video conferences, and now even text messaging is available through our agency text only number 518-240-9930.
5. Directing clients to make payments and other services through apps and websites of our company partners. See our website www.shultsagency.com or your company’s site for more detail.
Please feel free to reach out to us if we may be of help in any way.  Thank you for your understanding and continued support as we take these additional temporary precautions while continuing to serve our clients well.

As a reminder, for your own safety and that of those around you continue to exercise good flu-season personal hygiene like frequent hand washing, and use common sense critical thinking skills to combat a lot of the misinformation out there as every day gets us one day closer to this event being a memory.

This situation is rapidly evolving and we will provide updates as necessary should the previous information require changing.

How does commercial insurance protect a New York business

Starting a small business is a dream that many people have. If you are in the Fort Plain, NY area and would like to be your own boss, now is a great time to go into business for yourself. When you are looking to start or grow a company of any kind, it is important that you carefully consider your insurance needs. There are several ways that a commercial insurance policy can protect a company in New York.  

Covers Business Assets

One form of coverage that you will receive with your commercial insurance is coverage and protection for your business assets. If you have had to invest in equipment or inventory in the past, you will need to make sure that these assets are protected in the future. One great way to do this is by getting commercial insurance. When you have this insurance, it will make sure that you are properly covered and that your assets can be replaced if they are damaged.

Liability Protection

A small business owner should never underestimate their liability risk. If a product that you sell leads to an injury for another person, you could be found liable. This could then require that you pay restitution for the damages. When you have commercial insurance, you will receive coverage for these situations, which could keep you solvent. 

A company that is in the Fort Plain, NY area clearly would benefit by getting a commercial insurance policy. If you are looking for insurance in this area, you should have Shults Insurance Agency take a look for you. The team at the Shults Insurance Agency can help anyone in the area to get the coverage that you  need to properly protect your organization from a variety of different risks.

Classic Car Insurance in New York

If you own a classic car, it’s fair to say you have some taste and class yourself. You must be an individual who values taking care of your classic car. No better way to keep you prized asset secure other than getting a good classic car insurance policy.

As you would imagine, regular auto insurance would not be sufficient for a classic car. Compared to regular auto insurance, there are some similar provisions such as property damage and bodily injury liability but there are some differences too. For example, your classic car is most probably considered unique and will not have a book value. This means the value of the car needs to be negotiated between the owner and the insurance agency. Another difference is that the cost of repair or installing spare parts will be more, and parts may be more difficult to find and therefore a lot more expensive. Similarly, the coverage for special demands such as towing might also be different.

One mistake some classic car owners make is that they don’t realize these differences and in a case of damage to their car they end up paying a lot more out-of-pocket then they should. As a first step, you can get in touch with Shults Insurance Agency, covering all of upstate New York, to get yourself properly educated about classic car insurance. There are a set of eligibility criteria to determine if your automobile qualifies as a classic car. Our agents are trained to guide you with such requirements and educate you to the insurance policy most suited to your specific needs.  Contact us at either office with any questions on classic car coverage.

Are My Personal Possessions Covered With My RV Insurance?

Whether you camp in your RV or are using it as a residence, you want to make sure your personal items are protected. In Fort Plain, NY, the agents at Shults Insurance Agency can assist you in getting the right type of RV insurance so that you won’t have to worry about what is covered and what is not.


If you own a motorhome and drive it from one location to another, you will need to make sure you have the proper liability coverage in case you are involved in an accident. Because insurance is mandatory for any type of vehicle that travels on the roads and highways, you will want to discuss your policy options with your insurance agent.


If you live in your motorhome or camper, you will also want to make sure you have the right type of coverage for your personal items as well. A comprehensive policy will cover everything inside and out. If you only have a fifth wheel or pull-behind camper, you won’t need the type of liability that is required with a motorhome. You will need a different type of policy to cover your camper and your possessions.

Keep Things Secure

It’s important that you take the necessary precautions to protect your personal possessions. Don’t leave valuables in plain sight and always lock your windows and doors. Installing a DIY home security system can also be beneficial.

Residents who live in Fort Plain, NY and want, to learn more about insuring their RVs and campers can call the agents of Shults Insurance Agency. They have the answers you are looking for and will help you get the best policy for your individual needs.