Business Details
Your Trusted Local Insurance Partner in Broadalbin
Robert J. Hoy Agency has been a trusted provider of comprehensive insurance solutions for over five decades. As a locally owned and operated independent agency, we specialize in delivering personalized insurance services tailored to meet the unique needs of individuals and businesses across Fulton, Montgomery, Hamilton, and Saratoga Counties. Our team of licensed professionals brings extensive industry expertise to every client interaction, offering coverage options that include auto, home, life, umbrella, motorcycle, snowmobile, boat, and commercial insurance.With three convenient locations in Broadalbin, Northville, and Saratoga Springs, we maintain a strong commitment to community involvement while leveraging our relationships with multiple insurance carriers to secure competitive rates for our clients. Our agency prides itself on maintaining open lines of communication, ensuring prompt claim resolution, and providing 24/7 accessibility for urgent matters. Through decades of service, we have built a reputation for reliable guidance, ethical business practices, and unwavering dedication to client satisfaction.
Services
Auto Insurance
Home Insurance
Life Insurance
Business Insurance
Boat Insurance
Umbrella Insurance
Snowmobile Insurance
Motorcycle Insurance
Renters Insurance
Commercial Insurance
Highlights and features
- We offer independent agent services with access to multiple insurance carriers
- Our team provides personalized service with local market expertise
- We guarantee competitive rates through comparative market analysis
- Our agency maintains 24/7 accessibility for urgent insurance needs
- We deliver tailored coverage solutions for both personal and business needs
What people say
Great customer service
Personal touch with services
Helpful staff always available
Cost-effective insurance options
Prompt service guaranteed
Services
Auto Insurance
Our auto insurance policies provide comprehensive protection for personal and commercial vehicles. We offer liability coverage, collision protection, and uninsured motorist options tailored to individual driving needs. With access to multiple carriers, we help clients find cost-effective solutions that meet New York state requirements while protecting against financial loss from accidents, theft, or property damage.
Home Insurance
We provide residential insurance coverage for various property types including single-family homes, condominiums, and rental properties. Our policies protect against structural damage, personal property loss, and liability claims. Specialized coverage options are available for high-value homes and unique property features, ensuring comprehensive protection against common risks like fire, storms, and water damage.
Business Insurance
Our commercial insurance solutions protect diverse businesses across multiple industries. We offer property and liability coverage, business interruption protection, and workers' compensation policies. Specialized programs are available for municipalities, restaurants, contractors, and service providers, helping businesses mitigate risks associated with property damage, lawsuits, and operational disruptions.
Life Insurance
We offer various life insurance options including term and permanent coverage to provide financial security for policyholders' beneficiaries. Our solutions help clients protect dependents, cover mortgage obligations, and plan for future financial needs. Policies can be customized with additional riders to address specific protection requirements and long-term financial planning goals.
Boat Insurance
Our marine insurance policies protect recreational watercraft including boats, jet skis, and yachts. Coverage includes physical damage protection, liability coverage, and emergency assistance. We offer specialized policies for different vessel types and usage patterns, ensuring comprehensive protection against water-related risks while meeting specific boating needs and storage requirements.
People
Tim Munn
President
Tim Munn leads the agency with over 20 years of experience, joining in 2003 and becoming President in 2017. He oversees all operations while maintaining active community involvement through local boards and commissions. A graduate of St. John Fisher College, he focuses on strategic direction and client service excellence.
Trudi Cromling
Vice President Operations
Trudi Cromling manages agency operations with extensive insurance experience since 1993. Holding a Property & Casualty license, she previously worked at Travelers Insurance before returning to Hoy Agency in 2010. Recognized as a Quarter Century Member, she balances operational leadership with community service through church activities.
Mary Calderone
Client Service Representative
Mary Calderone provides client support with a Property & Casualty license since joining in 2017. With prior experience in financial services training, she brings customer service expertise to insurance needs. A SUNY Brockport graduate, she actively participates in local dance education while serving client accounts.
Darlene Bornt
Client Service Representative
Darlene Bornt assists clients with insurance solutions after entering the industry in 2018. Holding multiple insurance licenses, she previously owned local restaurants before transitioning to insurance. She focuses on helping clients find affordable coverage while balancing family life in Mayfield.
Jenny Ratajczak
Client Service Representative
Jenny Ratajczak supports clients with insurance needs since joining in 2021. With a hospitality degree and extensive local community involvement, she brings customer service expertise to insurance solutions. She combines outdoor recreation interests with active participation in defensive driving education programs.
Questions
What types of insurance do you offer?
We provide auto, home, life, boat, motorcycle, snowmobile, umbrella, renters, and commercial insurance policies tailored to individual and business needs.
How can you help me save on insurance?
As independent agents, we compare rates from multiple carriers to find cost-effective solutions that match your specific coverage requirements and budget.
Do you serve areas outside Broadalbin?
We serve Fulton, Montgomery, Hamilton, and Saratoga Counties including Northville, Saratoga Springs, and the Sacandaga Lake Region.
What if I need to file a claim?
Call our office during business hours or use our online portal to report claims. We prioritize prompt resolution and minimize inconvenience during claim processing.
Are your agents licensed professionals?
All our representatives hold appropriate New York State insurance licenses with specialized expertise in property, casualty, and life insurance products.
Can I get insurance for recreational vehicles?
We offer specialized coverage for RVs, boats, ATVs, snowmobiles, and other recreational vehicles with tailored protection plans that meet usage requirements.
