Adirondack Insurance Exchange offers personal property insurance for the homes, cars, boats and valuable belongings of
New Yorkers. Adirondack makes insurance convenient, too. Put your home, cars – even your boat – into
our OneChoice CustomPac program – one policy, one bill. Or, if you only need insurance coverage for your car or truck,
we can do that, too. We offer fully customizable insurance solutions to qualifying members.
- Simplified protection with a single property limit that covers the dwelling, its contents, other structures and additional living expenses should you be displaced.
- Expanded replacement cost coverage for the dwelling. Ask your independent agent for more details.
- Cover your clothing, furniture and other personal belongings and add more coverage for jewelry, watches, furs, silverware or other valuable items.
- Replacement cost coverage for contents. Receive the amount to replace items at today’s cost, rather than a depreciated value.
- Increased special limits for certain personal property. Ask your independent agent for details.
- Personal injury liability coverage.
- Money-saving discounts you may quality for: Prime Time, Home Buyer, Insurance to Value and more.
- If you own a condo, we offer protection for permanent fixtures or any modifications or improvements you've made.
- If your condo association doesn't have enough insurance to cover things like fire damage or an injury occurring on common property, we provide coverage for an assessment.
- Coverage options for all types of drivers, including families with multiple drivers and vehicles.
- Coverage for transportation expenses, including travel expenses following an accident.
- Original equipment manufacturer (OEM) replacement parts for repairs in newer cars (cars in their first three model years).
- Money-saving discounts you may qualify for: Paid in Full, Multi-Car, Clean Driver, Good Student, and more. Ask your independent agent for ways you can save
- OneChoice CustomPac is all about simplicity and convenience. It combines your homeowners, car and personal belongings insurance into one policy. In the unfortunate event that you have a loss involving both your home and vehicle, you’ll only have on deductible.
- Upgrade to CustomPac Elite and our Identity Theft Expense Reimbursement, Water Backup Coverage, and other valuable product enhancements are included. Ask your independent agent for more details.
Beyond personal property, Adirondack also offers an Identity Theft Expense Reimbursement option, which gives you
protection of up to $15,000 for losses due to identity theft, like lost wages.
Our watercraft endorsement covers boats, boat trailers, unattached equipment, accessories and personal effects,
in addition to liability for boating accidents and medical payments.
OneChoice Umbrella provides coverage for claims above the limits provided by auto, homeowners or personal watercraft policies.
Please refer to the actual policy for exact coverage descriptions. Coverages and discounts are subject to policy terms; limits, exclusions and deductibles apply.