Personal Insurance

Personal Insurance

HMS provides comprehensive insurance planning for you, your family and your possessions – and the peace of mind that comes with knowing you’re protected. We’ll help you secure the appropriate level of protection specific to your needs, lifestyle and finances – from your home to your automobile, boat and other important possessions.

Our personal insurance plans include the following types of coverage:

  • Auto
  • Homeowners
  • Umbrella Liability
  • Boat
  • Recreational Vehicles
  • Life Insurance
  • Disability Insurance
  • Long Term Care
  • Motorcycles
  • Medicare Plans
  • Pet Insurance

New York Defensive Driving Online Course

Our New York Defensive Driving Course is approved by the NYS DMV for point and insurance reduction. This online defensive driving provides you with the techniques and knowledge to keep you safe while driving on the roads. While the goal is to minimize the risks associated with operating a motor vehicle, the insurance and traffic ticket benefits are substantial. Once you complete your course, you will receive a mandatory 10% insurance reduction for 3 years. This course also allows you to reduce up to 4 points from your driving record. Register now.

Some of the top rated Insurance Companies we represent include:

Travelers Insurance
One Tower Square
Hartford, CT 06183

Hartford Insurance
One Hartford Plaza
Hartford, CT 06155

6300 Wilson Mills Rd.
Mayfield Village, OH 44143

Encompass Insurance Group
2275 Sanders Rd.
Northbrook, IL 60062

Utica First Insurance Co.
5981 Airport Rd.
Oriskany, NY 13424

MidState Mutual
5612 Route 34S.
Auburn, NY 13021

MetLife Auto & Home
700 Quaker Lane
Warwick, RI 02812

5600 Beech Tree Lane
Caledonia, MI 49316

6200 Maple Ave.
Keene, NH 03431

Merchants Insurance Group
250 Main St.
Buffalo, NY 14202


Safeco Insurance
1001 4th Ave.
Seattle, WA 98154

utica national

Utica National Insurance

kemper preferred

Kemper Preferred Insurance
5784 Widewaters Parkway
Dewitt, New York 13214

GMAC insurance

GMAC Insurance

  • “We feel very fortunate to have our health insurance with Amy LaCroix and the HMS Agency. Annual changes in coverage and costs are clearly explained and at a competitive rate. Most of all, on the occasions when we’ve needed someone to go to bat with us over a reimbursement with a health care provider, Amy has consistently provided service above and beyond. We would recommend her and her agency without hesitation.” Mitchell Eil, Best Way to Buy

  • “Having had to purchase health insurance and other coverage as a sole proprietor for decades, I can say unequivocally that Michele Seddon is the most industrious, honest and caring professional I've ever had the pleasure to do business with. Michele immediately and consistently took my needs and concerns to heart, and matched them with deep knowledge of industry trends, coverage options, and what might be on the horizon. Combine that with a wonderful personality and you have a person who can actually make a difficult chore seem pleasurable and stress-free.”Chris Vasan

  • “I want to thank you for being so knowledgeable about my insurance options as a new member of Medicare insurance. I was overwhelmed with a plethora of information regarding Medicare and its many restrictions (or as you put it, “options”). I am a physician and you simplified it for me. I can only imagine how difficult and stressful it can be for those who are not physicians. My husband, who is also a physician, and I have decided that we will refer our Medicare eligible patients to you so that they can understand the options available to them. Thank you for your clarity and depth of knowledge. It was greatly appreciated.”Jeanette F. Thornton, MD

  • “I have been doing business with HMS Agency for over a decade. I have always found their customer service to be prompt, knowledgeable and professional. I also appreciate the fact that HMS has the ability to get quotes from multiple companies. I feel confident that I'm getting high quality insurance coverage at a fair price."John Whalen, Whalen Automotive

  • “As a business owner, having insurance is a must. The staff at HMS Agency has handled my policies for over a decade and has always gone above and beyond for my insurance needs. Steve Mather's expertise is an asset to my business and employees."Kevin Hube, Telesys Telecommunication, Inc.

  • “For over two decades we have relied on HMS Agency to help us successfully navigate the complicated waters of the health insurance industry. Early on we recognized that no one on our staff at Schwartz Family Dentistry had the time to become health insurance experts so we turned to HMS Agency for professional guidance. Moving forward, navigating the health insurance world has become more and more complicated. Our staff now pays a portion of their medical insurance premiums and HMS Agency has helped us to involve them in selecting the best possible plan balancing needs with affordability. I simply do not know what we would do without their top-notch service. Knowing that we can trust HMS Agency to provide us with the knowledge we need to manage this issue allows us to continue focusing 100% on our expertise, which is providing quality services to our patients."Cynde Schwartz, General Manager, Kenneth D. Schwartz, DDS, P.C.

  • “HMS Agency has kept us on the leading edge of Health Care, giving us the opportunity to retain and hire quality employees. Their extensive knowledge and involvement with Health Care providers has been a great asset to Mobile Air Transport, educating and assisting us in the decision making process to give our employees the best possible benefits while keeping us within budget. As a liaison between us and our insurance providers, HMS Agency can be viewed as an extension of our Human Resources Department, consistently interacting with management and staff to maintain quality service to all our employees. I can honestly say that HMS Agency has been an integral part of our employee retention."John J. Ingemie, Chief Executive Officer, Mobile Air Transport, Inc.

  • “Over the years, we have had to use and interact with many insurance agents/companies. I have to tell you that your people are the most responsible, professional individuals that we have ever dealt with. You run/have a first class operation, and you should be very proud of that. Our only regret is that we were not aware of your agency sooner."John and Bette Madej