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Shults Insurance Agency

3 Canal St
Fort Plain, NY 13339

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Habitational Insurance


Landlord Insurance

As a landlord, your rental property is an investment.  Like any investment you want to make sure it's protected.

Apartment complex insurance, also known as landlord insurance, covers the building's actual structure and any liability charges that may end up confronting you on the property.

Besides being covered for the building itself, you may want to be covered for personal property, which includes reimbursements for personal property that is damaged or lost in adverse weather events, theft, or fire. It includes the property's structure and any items in the building that are yours.

Coverage for liability expenses covers you if a tenant or one of his or her guests is injured on your property and you end up being sued for punitive costs and medical expenses.

Many landlords also supplement their coverage with personal umbrella liability insurance for broader protection.

Our agents can find the policy that's right for you, whether your property is a single family home, or a multi-unit building.


Renters Insurance

If you live in a rental home or apartment, chances are you don't have the proper insurance.  Despite the fact that rented homes are more likely to be burglarized than owner-occupied properties, nearly 60 percent of renters don't have a renters policy.

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.  For example, there is coverage if your bicycle is stolen from a bike rack at the park.

For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen. 

Whether you’re just starting out, between homes, or downsizing, we will help you pick the renters insurance coverage that best fits your needs. Give us a call today and get covered.

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Servicing these States

Our Partners
  • Allstate
  • Countryway
  • Eastern
  • Erie & Niagara
  • Fingerlakes Fire & Casualty
  • Foremost
  • Leatherstocking Cooperative
  • Mercury
  • Michigan Millers
  • National General
  • Progressive
  • Safeco
  • Travelers
  • Vermont Mutual