Insurance Services

Although Upstate New York Insurance Agency is a relatively new insurance agency, its owner, Karin Spencer has spent most of her career in the insurance industry.

No longer wanting to work with only one insurance company, Karin created Upstate NY Insurance Agency in 2021 to better advocate for her customers and provide them with the best possible coverage from a wide range of insurance carriers.

Insurance Products/Services: Upstate New York Insurance Agency, Inc. will offer personal property, auto, and liability insurance as well as commercial insurance with some health and life products.

Auto Insurance

Adventures don’t always start on the road. Take your journey, and your coverage, wherever you want to go.

Inside view car dash
  • Personal Auto
  • Off Road Vehicle Insurance
  • Watercraft Insurance
  • Recreational Vehicle Insurance
  • Travel Trailer Insurance

Home Insurance

No matter what form it takes: apartment, condo, or house, we’ve got you covered. Because it's more than just a roof over your head, it’s home.

Inside view of kitchen
  • Home Insurance
  • Primary Residence
  • Renters Insurance
  • Landlord Insurance
  • Vacation Homes
  • Condo Insurance
  • Flood Insurance
  • Umbrella Insurance

Life & Disability

Life is full of unexpected surprises. From regular checkups, to long term care, and beyond, we’re here for you and your family.

Close up of reading glasses
  • Disability
  • Medicare Advantage
  • Life Insurance
  • Cancer

Business Insurance

Your property, your vehicles, and your employees are the lifeblood of your business. When one is out of commission, your company struggles. The right coverage will help you recover faster, so you and your team can get back to business.

Fleet of commercial vechicles
  • Property Liability
  • General Liability
  • Inland Marine
  • Bond
  • Workers Compensation Insurance
  • Commercial Vehicle Insurance
  • Trucking
  • Commercial Flood
  • Self Storage
  • Employee Benefits