Personal Insurance

When You Rush It, You Risk It!

Our personal insurance team could save you up to 15% on your insurance costs, but we will not get it done in 15 minutes.

Why? Because our thoughtful quote process is designed to uncover—and cover—your unique needs.

By understanding you, your hobbies, and where you are in your life’s journey, we are better equipped to offer insurance that fits your needs. You can sleep well knowing you took your time to protect what matters.


Home & Property Insurance

Homeowners Insurance

Homeownership is more than just having a place to live; it’s about safeguarding your home. Whether you’re a new homeowner or a current owner looking to update your homeowners insurance policy, we can help you determine the best protection for your unique situation.


Home & Auto Bundle

If you have your auto and home insurance with separate insurance companies, you may be missing out on savings. Let’s look at ways we can help you save by bundling your home and auto insurance with NBT Insurance!


Free Homeowners Policy Review

As your local insurance consultant and neighbor, we’re here to provide the guidance you need. Let’s review your current homeowners coverage and find a solution that ensures your home is protected.


Renters Insurance

Most renters don’t think about insurance for their apartment, but understanding what is and isn’t covered by your landlord is important. Renters insurance protects your personal property, personal liability, and more.


Condo Insurance

Your condo building may have insurance through the association, but the HOA policy does not protect your condo unit itself from the walls in. It’s important to choose a condo insurance policy that will adequately cover repairs to your unit in the event of fire or vandalism, and to protect your belongings as well.


Insure Your Vehicles

Auto Insurance

Understanding auto insurance can be a bit tricky, but we're here to make it simpler for you. Every driver’s situation is unique, whether you drive a newer vehicle, drive a classic car, or collect antique cars, there’s no one-size-fits-all solution. Even if you're a responsible driver, unexpected things can happen on the road. That's why we take the time to learn about what you need and create a policy that's just right for you. With a personalized plan, you can better handle risks and reduce the money you might have to pay if there's an accident.


Motorcycle Insurance

There's nothing quite like the thrill of hitting the open road on your motorcycle. While you're enjoying your ride, you're likely not thinking about whether you have the right insurance policy—and we believe that's the way it should be. We'll help you find an insurance solution that is tailored to your riding style. Options can also cover your riding accessories, such as your saddle bags and helmets.


Personal Umbrella Policy

Enhance Your Protection With a Personal Umbrella Policy

When it comes to potential losses, your home or auto policies may have limitations on payouts. In unforeseen circumstances leading to lawsuits, the associated legal and settlement costs can quickly surpass these limits. Once your home or auto policy reaches its cap, the burden of covering the remaining costs falls on you. This is where a personal umbrella policy becomes invaluable—it comes into play when your home or auto limits are exhausted.


When Might You Need Umbrella Coverage?

  • You have significant assets

  • You have a swimming pool or hot tub

  • You have a teen driver

  • You’re a dog owner

  • You own rental properties or multiple homes

  • You travel abroad

Every Season Can Be an Adventure!

Whether you’re traveling on your own or packing up the family and heading out on the road, be sure to protect your love of the great outdoors with insurance for your RV, camper, boat, ATV, snowmobile, and more.

We’ve partnered with reputable insurance carriers to provide customizable insurance options for:

  • RVs & Campers
  • Boats & Watercraft
  • ATVs
  • Snowmobiles
  • And more!

Find the coverage you need so you can protect your next trip with less worry.


RV & Campers

Whether you're driving cross country, enjoying nature at your campsite, or pursuing other travel dreams, your recreational vehicle opens up a world of possibilities. Recognizing that every RV owner's journey is unique, we've collaborated with trusted insurance carriers to offer tailored coverage options.


Boats & Watercraft

Your boat, jet ski, or other watercraft can take you to places and sights that traditional vehicles can't reach, but this comes with distinct risks. Protect your watercraft from bow to stern, and protect yourself from liability too.



Our ATV insurance ensures you're protected should an accident occur. Choose from a variety of coverage options designed not only to safeguard you, but also to protect your valuable equipment and accessories. Embrace the thrill of off-road adventures, knowing you're covered with our comprehensive ATV insurance.



While others brace for the snow, you're ready to carve out a trail! Enjoy your adventure knowing you’re protected in case of accidents, theft, or other damages. Our objective is to secure a policy tailored to your requirements, allowing you hit the trails with less worry.


Additional Insurance Options


Standard homeowners insurance policies don’t necessarily cover flood damage. Flood insurance offers additional protection in the face of natural disasters. Let us explore flood insurance coverage options to help protect you against the unpredictable.


Identity Theft

Safeguarding your identity is crucial for peace of mind. In the unfortunate event of identity theft, you don't need to face this challenge alone. With our identity theft coverage, you can confidently access the legal support needed to manage expenses while restoring your identity.


Classic & Antique Auto

Not all vehicles are the same—your classic or antique auto is proof of that. It goes beyond being a memento of the past—whether you're embarking on a restoration journey or hitting the road for shows, our commitment is to secure the optimal coverage for your unique requirements.


Valuable Items

In the realm of homeowners, renters, and condo policies, there are often limitations on coverage, which can leave certain items vulnerable in the face of a loss. We'll collaborate with you to craft a customized policy that aligns with your needs, ensuring your valuables remain protected and secure.


Weddings & Events

Event or wedding planning can span months or even years—but what if the unexpected occurs? We cover for a variety of unforeseen events: cancellation, damage, loss, and liquor liability. Make plans knowing your celebration is protected, so you can focus on being in the moment.


Trusted Partners in Personal Insurance

At NBT Insurance, our mission is to ensure you have the appropriate coverage for the life you lead. As dedicated insurance professionals, we strive to go beyond just selling policies—we focus on being your trusted advisors.

Our Local, Independent Difference

Our expert team collaborates with a network of premier carriers, so you get insurance coverage personalized just for you. With customized insurance plans, you can rest easy knowing you're safeguarded precisely when it matters most.