Personal Insurance

Partner with Professionals Who Put You First

You've worked hard to build your life — let us help you protect it.

At Margeson Insurance Agency, we do more than provide insurance—we build lasting relationships founded on trust, transparency, and tailored protection. Whether you're securing your home, your health, your business, or your lifestyle, we make the process easy to understand and easy to manage, all while delivering service that’s personal, responsive, and thorough.

Auto Insurance

From everyday drivers to weekend rides, your vehicles deserve protection that fits your life. At Margeson Insurance Agency, we take the time to understand how you drive, what you drive, and what matters most to you. We don’t just shop rates—we tailor coverage that matches your habits and needs. From the moment your policy starts, we streamline inspections, and if needed, we’ll even come to you. If you experience an accident or claim, we’ll guide you through every step of the process. We also offer insurance for boats, motorcycles, ATVs, and personal watercraft, ensuring all your vehicles are backed by the support and service we’re known for.

Homeowners & Property Insurance

Your home is more than a roof over your head—it’s your foundation. Whether you're insuring a primary residence, a second home, a rental property, a lakeside retreat, or a condo, we help you protect your property and everything in it. From your heirlooms, jewelry and artwork to your most sentimental possessions, we make sure you’re covered. Our relationships with top national carriers allow us to offer competitive pricing and custom solutions that reflect your lifestyle. And when you're unsure about gaps in coverage or want a second opinion, we’re always here with a free, no-obligation risk assessment.

Umbrella Insurance

When a major claim exceeds the limits of your standard policies, umbrella insurance can be the safety net that protects your savings, your home, and your future. It’s especially valuable if you have significant assets, a high profile, or simply want the peace of mind that comes with extended protection. We’ll help you evaluate your risk and determine if an umbrella policy is right for you—and if it makes sense to bundle it with your home or auto coverage to maximize value.

Health, Dental & Vision Coverage

Healthcare shouldn’t be confusing. That’s why we help individuals, families, and small businesses find affordable medical, dental, and vision coverage that fits their needs. Whether you're navigating the New York State Exchange, looking at Excellus plans, or considering private options, we help you understand your eligibility and guide you to the best solution—no matter your income level or employment status. We’re here to make sure you and your loved ones are cared for today and protected for tomorrow.

Farm Insurance

Farming isn’t just work—it’s a way of life. We provide specialized insurance solutions designed for the modern agricultural operation. From tractors, combines, and irrigation systems to livestock, produce, and grain storage, we cover every aspect of your business. Whether it’s a small family farm or a large-scale operation, we ensure your barns, machinery, products, and livelihood are properly insured with a policy tailored to your specific operation and risk.

Watercraft Insurance

Life on the water is all about freedom—but it comes with responsibility. Whether you’re operating a fishing boat, a speedboat, a personal watercraft, or a luxury yacht, we offer comprehensive protection for both liability and property damage. Our watercraft coverage follows you wherever you launch, dock, or store your vessel, giving you confidence whether you're sailing solo or entertaining guests.

Motorcycle & ATV Insurance

Whether you’re hitting the open road or exploring off the beaten path, we provide protection for cruisers, sport bikes, dirt bikes, trikes, scooters, and ATVs. Your gear and accessories are valuable too, so we offer optional protection for everything from custom parts to safety equipment. No matter how you ride, we make sure your freedom comes with the coverage you can trust.

Recreational Vehicle Insurance

Owning an RV means bringing home wherever you go—and we offer insurance that covers it all. Whether you’re traveling in a motorhome or towing a fifth-wheel camper, we help you protect everything inside and out, including awnings, built-in appliances, plumbing, and more. Our policies cover you whether you're parked at a campsite or cruising the highways, so your adventures never have to pause for paperwork or uncertainty.