• Fingar Insurance
  • Snowmobile Insurance
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  • Home Insurance
  • Property insurance coverage for high net worth individuals is available from Fingar Insurance located located in Hudson NY
  • Car Insurance
  • Live Insurance

Personal Insurance

For auto, home, life insurance and much more, Fingar Insurance is a Trusted Choice® insurance agency. That means we have access to multiple companies and a commitment to offering you competitive pricing, a broad choice of products, and unparalleled advocacy with our partners.

We’re committed to treating you as a person (and a neighbor), not a policy number. To support this commitment, we shall:

  • Work with you to identify the insurance and financial services that are right for you, your family, or your business.
  • Guide you through the claims process if needed to achieve a prompt and fair resolution of your claim.
  • Help you solve problems related to your coverage or account.
  • Return your phone calls and emails promptly, and respond to requests in a timely manner.
  • Provide for emergency phone numbers, Internet account access, email and call-center services 24/7 services.
  • Use our experience and multiple company partnership to customize your coverage as needed.
  • Commit our staff to continuing education so they may be more knowledgeable in serving you.
  • Treat you with respect and courtesy.
  • Conduct our business in an ethical manner.
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Home Insurance

Homeowners Insurance

Homeowner’s insurance provides various types of coverage. Knowing these can help you understand exactly what’s protected. Most homeowner’s policies in New York include the following types of standard coverage:

Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.

Other structures
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.

Personal property
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.

Loss of Use
This coverage provides you with additional money you may need should your home become uninhabitable due to a covered loss.  Examples would be money to rent an apartment or motel, additional costs associated with boarding pets, increase in costs for food.

Liability protection
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.

Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.

Additional Coverages
Replacement cost coverage on contents; Scheduled coverage on jewelry, furs, antiques, silverware, guns, boats, musical instruments, etc.; Identity theft; Water backup; Business property

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Home Insurance

Second/Vacation Home Insurance

Fingar Insurance has been insuring secondary and seasonal homes for many years.  We represent companies that will insure them along with your Primary Residence/Apartment/Condo as well as on a monoline basis.

Dwelling (home structure)
This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.

Other structures
This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.

Personal property
Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.

Loss of Use
This coverage provides you with additional money you may need should your home become uninhabitable due to a covered loss.  Examples would be money to rent an apartment or motel, additional costs associated with boarding pets, increase in costs for food.

Liability protection
Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.

Guest medical protection
This type of coverage can help cover the cost of medical expenses for a person who’s injured on your property.

Additional Coverages
Replacement cost coverage on contents; Scheduled coverage on jewelry, furs, antiques, silverware, guns, boats, musical instruments, etc.; Identity theft; Water backup; Business property

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Mobile Home Insurance

Mobile Home Insurance

You can help protect your mobile or manufactured home, your belongings and your family. The coverage for mobile and manufactured homes is similar to a homeowner’s insurance policy, but there are some differences.  We can help you understand what a mobile home insurance policy can protect.

When you’re thinking about purchasing insurance for your mobile or manufactured home, it’s helpful to understand what your policy protects. Most mobile home insurance policies include standard coverage types, such as:

Personal property coverage
Covers your personal belongings if they’re stolen or destroyed by a fire, theft or other covered peril. It includes things like clothing, furniture, your laptop and other electronics—though you may want to opt for scheduled personal property coverage for especially expensive items and collections.

Scheduled personal property
If something happens to your high-priced belongings, this covers them beyond the limits of what your personal property coverage will pay. You can add it to your policy to help cover an expensive piece of jewelry, your collection of audio equipment or other pricey items you own.

Loss of Use
Helps pay for your increased living costs