Business Details
50+ Years
experience
Your Independent Insurance Experts in Middletown, NY
Established in 1968, we are a third-generation, multi-line general insurance agency based in Middletown, New York. Our affiliation with The Deforest Group since 1988 expanded our carrier representation to secure competitive quotes for clients. Through strategic acquisitions of Meola Insurance Agency and Smith and Frank Agency, Inc., we became one of the Hudson Valley's largest small-town agencies. Our experienced agents specialize in customizable personal and business insurance solutions across New York, offering coverage options for home, auto, life, commercial properties, and specialized liability.As an independent brokerage, we maintain flexibility to shop multiple carriers, ensuring tailored protection plans that meet unique client needs. Our decades of local expertise provide distinct advantages over competing New York insurance providers. We prioritize personalized service, pairing clients with optimal coverage through comprehensive risk assessments and ongoing policy support.
Services
Home Insurance
Auto Insurance
Business Insurance
Commercial Liability
Flood Insurance
Umbrella Policies
Workers Compensation
Cyber Liability
Jewelry Valuables
Disability Coverage
Details
- Year established: 1968
Highlights and features
- We offer 50+ years of New York insurance expertise
- Our independent agency shops multiple carriers for best rates
- We provide personalized risk assessment consultations
- Our agents specialize in New York-specific coverage requirements
- We maintain local office accessibility with statewide coverage
What people say
Best insurance deal
Constant communication
Process very easy
Professionalism quality
Responsive service
Services
Home Insurance
Protect your New York residence with customizable home insurance policies. We offer coverage for structural damage, personal belongings, and liability protection. Our agents help navigate New York-specific risks like severe weather and flood zones while ensuring competitive pricing through multiple carrier options.
Business Insurance
Comprehensive insurance solutions for New York businesses. Coverage includes property damage, liability protection, workers compensation, and cyber liability. We tailor policies to meet specific industry needs while maintaining cost-effectiveness through our independent brokerage model.
Auto Insurance
Custom auto insurance policies for New York drivers. Options include liability, collision, comprehensive coverage, and uninsured motorist protection. We help clients find optimal rates while meeting state requirements and providing additional benefits like roadside assistance.
Flood Insurance
Specialized flood protection policies for high-risk areas. We provide coverage through the National Flood Insurance Program and private carriers. Our experts help assess flood risks and determine appropriate coverage limits for both residential and commercial properties.
Cyber Liability
Modern cyber liability coverage for businesses. Protection against data breaches, ransomware attacks, and network security failures. We offer policies that cover legal expenses, notification costs, and business interruption losses tailored to New York businesses' needs.
Questions
What types of insurance do you offer?
We provide personal insurance (home, auto, life) and commercial insurance (property, liability, workers comp) including specialized coverage like cyber liability and flood insurance.
Are you truly independent from insurance companies?
Yes, as an independent agency we represent multiple carriers allowing us to find the best coverage options and competitive rates tailored to your specific needs.
Do you serve areas outside Middletown?
While based in Middletown, we serve clients throughout the Hudson Valley region and across New York State.
How quickly can you help set up a new policy?
We typically complete policy setups within 1-3 business days after receiving necessary information, with urgent cases prioritized.
Can you help with insurance claims?
Yes, we assist with claim filings and serve as your advocate throughout the process for policies we originated.
Reviews (6)
Jessica Clark
Sep 12, 2021
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Emily was absolutely amazing. She gave Me quote right on the spot and was so so kind to fax over the documentation to motor vehicles for me. Before speaking with Emily I had talked to 3 different auto policies and there was no luck. She absolutely made my day. I give her 10 stars thank you so much again.
Tom Heiser
Jul 12, 2021
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My wife and I moved to NY from PA and we needed new car insurance. Hutchings Agency was recommended to us and we couldn't be more satisfied with service we received. Emily was a big help staying in constant communication with us and made sure we got the best insurance deal we could. She was always there to answer questions and helped us with any issues we had. Hutchings took care of the work and made the whole process very easy!
Marsha Falanga
May 31, 2021
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We have utilized Hutchings Agency for all of our insurance needs both personal and businesses for many years. Douglas Hutchings and his staff go above and beyond when addressing our insurance needs. They return phone calls promptly and make you feel like a "priority " to them with ensuring your insurance needs are met. They take the time to review insurance options to make certain the policy you choose fits your needs best. They are professional, efficient and provide a wide range of services. I would highly recommend them for your insurance needs.
Tess Sun-Goodhue
May 18, 2021
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Whenever I need anything related to commercial insurance, Hutchings Agency is always ready to help. They are super quick in responding back and I appreciate that! They even go above and beyond by offering to help us review the insurance certificate of a prospective service provider while dispensing useful tips and guides on what type of coverage and minimum $ limits to require of any outside contractor. How great is that! They really have your best interest at heart! Thank you, Doug and your team at Hutchings!
Roy Maliszewski
Apr 29, 2021
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Our company has used Hutchings Agency for quite a long time. In my brief time as head of the Finance department each and every time I've had to reach out to Hutchings they respond promptly, professionally and always with the result needed. When it's time to review or policy renewals they make sure to go to the market and find the best and most affordable provider for the best interests of the company. Extremely delighted to have Hutchings Agency as our broker.
Bartholomew Berson
Apr 07, 2021
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Wonderful staff, great in finding the coverage that's perfect for each individual. Friendly service that makes you feel like you're not just another customer but a member of this family owned business. I highly recommend them as a very satisfied customer. You can count on Hutchings Agency to find the best insurance coverage that fits your needs and wallet!
