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696 Silk Rd
Fulton, NY 13069-3675
Fulton, NY 13069-3675
Office Hours
Mon–Sun, 9:00 AM - 5:00 PM
About the Agency
Charles H Smart is an independent insurance agency located at 696 Silk Rd in Fulton, NY. As an independent agency, Charles H Smart represents multiple insurance carriers, allowing them to compare coverage options and pricing across providers rather than being limited to a single company's products.
Charles H Smart serves personal, commercial and life clients throughout the Fulton, NY area.
What We Offer
10 lines of BusinessPersonal
Automobile
Condo
Home
Renters
Commercial
Business Owners Package (BOP)
Business Vehicle
General Liability
Property
Life
Annuities
Life
New York insurance requirements
State minimums for New York drivers
New York law requires all drivers to carry minimum liability coverage. An independent agent licensed in New York can help you navigate no-fault requirements and find coverage that fits your situation.
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$25,000 bodily injury per person
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$50,000 bodily injury per accident
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$10,000 property damage per accident
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$50,000 personal injury protection (PIP)
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Uninsured/underinsured motorist coverage required