Learn About Gladstone Insurance Agency, LLC
We are an independent insurance agency focused on you and your unique risks. We believe in getting to know you on a personal level so we can truly understand what’s important to you. That way, we can help you protect it. Whether you’re an individual, family, or business looking for insurance, we can help you find the solutions you need.
As an independent agency, we represent multiple top-rated insurance companies to help you find a blend of coverage, price, and service that suits your unique situation. We want you to feel confident that the people and things that matter most to you have the security they deserve. That’s why we are here to walk you through your coverage options so you can sleep better knowing you have the protection you need in place.
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The Solution to Your Insurance Needs
Gladstone Insurance Agency, LLC offers a variety of personal insurance and business insurance solutions to help you protect what matters most.
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Already a client of Gladstone Insurance Agency, LLC? Visit our Service Center to make requests and manage your insurance.
The Independent Agency Advantage
What makes our independent insurance agency different?
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
We are by your side every step of the way.
We are licensed insurance advisors.
An Independent Agency Gives You Options
We proudly represent Safeco, Allstate, and more!
Prominent Member of Our Community
Since our agency opened in 1985, we have proudly served our clients in Downsville, NY, and surrounding communities. We are your locally-owned and operated independent insurance agency.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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Our Clients Rave About Us
Check out our reviews and see why you should switch to Gladstone Insurance Agency, LLC.
“Great staff and customer service. Rates are very competitive.”
“They are friendly, knowledgeable, and wonderful people who provide excellent service to its customers!”
“Excellent customer service, they really look out for the best interest of the customer. Have my home and car insured through the agency.”
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