# Hopmeier Evans Gage Agency > Your Trusted Insurance Agent in Schenectady and Esperance NY --- ## Pages - [Certificate Request](https://yourownagent.com/certificate-request/) - [Thanks](https://yourownagent.com/thanks/) - [Knox Insurance](https://yourownagent.com/knoxinsurance/) - [Church Insurance](https://yourownagent.com/church-insurance/) - [Esperance, NY Insurance Agency](https://yourownagent.com/esperance-ny/) - [Schenectady, NY Insurance Agency](https://yourownagent.com/schenectady-ny/) - [Sitemap](https://yourownagent.com/sitemap/) - [Terms of Service](https://yourownagent.com/terms-of-service/) - [Privacy Policy](https://yourownagent.com/privacy-policy/) - [Insurance Calculator](https://yourownagent.com/insurance-calculator/) - [Workers Compensation Insurance](https://yourownagent.com/products/workers-compensation-insurance/) - [Life Insurance Quote](https://yourownagent.com/life-insurance-quote/) - [FAQs](https://yourownagent.com/faqs/) - [Client Service Center](https://yourownagent.com/client-service-center/) - [Meet the Team](https://yourownagent.com/meet-the-team/) - [Cannabis and Marijuana Insurance](https://yourownagent.com/products/cannabis-marijuana-insurance/) - [Start Your Quotes in Seconds- Commercial Quote](https://yourownagent.com/quotes-copy/) - [Wedding Insurance](https://yourownagent.com/products/wedding-insurance/) - [Liquor Store Insurance](https://yourownagent.com/liquor-store-insurance/) - [Restaurants - Bars & Taverns](https://yourownagent.com/restaurants-bars-taverns/) - [Alyssa Baksh](https://yourownagent.com/alyssasukhu/) - [Accessibility Statement](https://yourownagent.com/accessibility/) - [Retail Gun Shop Rod & Gun Club - Gun Range Indoor & Outdoor](https://yourownagent.com/retail-gun-store-insurance/) - [Landlord Insurance](https://yourownagent.com/landlord-insurance-for-rental/) - [Rate Esperance](https://yourownagent.com/rate-esperance/) - [Rate Schenectady](https://yourownagent.com/rate-schenectady/) - [Claims & Payments](https://yourownagent.com/claims-payments/) - [Rideshare Insurance](https://yourownagent.com/products/rideshare-insurance/) - [Michelle Cooney](https://yourownagent.com/michelle-cooney/) - [Angela Temple](https://yourownagent.com/angela-temple/) - [Brianna Goodfriend](https://yourownagent.com/brianna-goodfriend/) - [Diane Carusone Mcginn](https://yourownagent.com/diane-carusone-mcginn-2/) - [David Evans](https://yourownagent.com/david-evans/) - [Linda Nemeth](https://yourownagent.com/linda-nemeth/) - [Todd Stewart](https://yourownagent.com/todd-stewart/) - [About Us](https://yourownagent.com/about-us/) - [Mortgage Insurance](https://yourownagent.com/products/mortgage-insurance/) - [Errors & Ommissions Insurance](https://yourownagent.com/products/errors-ommissions-insurance/) - [Renters Insurance](https://yourownagent.com/products/renters-insurance-2/) - [Restaurant Insurance](https://yourownagent.com/products/restaurant-insurance-2/) - [General Liability Insurance](https://yourownagent.com/products/general-liability-insurance/) - [Contact Us](https://yourownagent.com/contact-us/) - [Blog](https://yourownagent.com/blog/) - [Schenectady NY Insurance Agent](https://yourownagent.com/) - [Commercial Business Property Insurance](https://yourownagent.com/products/commercial-business-property-insurance/) - [Commercial Auto Insurance](https://yourownagent.com/products/commercial-auto-insurance/) - [Flood Insurance](https://yourownagent.com/products/flood-insurance/) - [Snowmobile Insurance](https://yourownagent.com/products/powersports-insurance/) - [Contractors Insurance](https://yourownagent.com/products/contractors-insurance/) - [Rate Us](https://yourownagent.com/reviews/) - [Start Your Quotes in Seconds](https://yourownagent.com/quotes/) - [Business Insurance](https://yourownagent.com/products/business-insurance/) - [Life Insurance](https://yourownagent.com/products/life-insurance/) - [Specialty Dwelling Insurance](https://yourownagent.com/products/specialty-dwelling-insurance/) - [Umbrella Insurance](https://yourownagent.com/products/umbrella-insurance/) - [Motorcycle Insurance](https://yourownagent.com/products/motorcycle-insurance/) - [Boat Insurance](https://yourownagent.com/products/boat-insurance/) - [Homeowners Insurance](https://yourownagent.com/products/homeowners-insurance-2-half-insured/) - [Auto Insurance](https://yourownagent.com/products/auto-insurance/) - [Products](https://yourownagent.com/products/) --- ## Posts - [What is a Loss Recommendation Letter? (And Why It's a Good Thing!) ](https://yourownagent.com/what-is-a-loss-recommendation-letter-and-why-its-a-good-thing/) - [Heads Up NY Employers: Big Change to Disability Coverage – No More Backdating!](https://yourownagent.com/heads-up-ny-employers-big-change-to-disability-coverage-no-more-backdating/) - [NY State Disability Insurance: What You Didn’t Know Could Cost You](https://yourownagent.com/ny-state-disability-insurance-what-you-didnt-know-could-cost-you/) - [What the Heck Is Umbrella Insurance?! ☂️ Do You Really Need It?](https://yourownagent.com/what-the-heck-is-umbrella-insurance-%e2%98%82%ef%b8%8f-do-you-really-need-it/) - [Why Insurance Cares About Your Roof (Yes, Even the Moss!)](https://yourownagent.com/why-insurance-cares-about-your-roof-yes-even-the-moss/) - [Refer a Friend, Share the Love – and a Gift Card!](https://yourownagent.com/refer-a-friend-share-the-love-and-a-gift-card/) - [S'mores Gone Wrong in Suffolk County: How a Backyard Blaze Highlights the Need for a Personal Umbrella Policy](https://yourownagent.com/smores-gone-wrong-in-suffolk-county-how-a-backyard-blaze-highlights-the-need-for-a-personal-umbrella-policy/) - [Navigating Tornado Insurance: A Guide for Property Owners](https://yourownagent.com/navigating-tornado-insurance-a-guide-for-property-owners/) - [Stay Warm, Stay Safe: Important Space Heater Safety Tips](https://yourownagent.com/stay-warm-stay-safe-important-space-heater-safety-tips/) - [Avoid Rental Nightmares: Require Renters Insurance for your Investment property.](https://yourownagent.com/investment-property-owners-landlords/) - [5 Reasons to Consider an Umbrella Liability Policy. Lawsuits are LARGE, and judgment amounts are increasing.](https://yourownagent.com/5-reasons-to-consider-an-umbrella-liability-policy-lawsuits-are-large-and-judgment-amounts-are-increasing/) - [Life Insurance: Protecting Your Loved Ones](https://yourownagent.com/life-insurance-protecting-your-loved-ones/) - [Hidden Danger in Your Home & Your Investment property: Protecting Yourself and Your Property from Lithium-Ion Battery Fires](https://yourownagent.com/hidden-danger-in-your-home-your-investment-property-protecting-yourself-and-your-property-from-lithium-ion-battery-fires/) - [Adirondack Insurance Exchange Loses Financial Rating: What Homeowners Need to Know](https://yourownagent.com/adirondack-insurance-exchange-loses-financial-rating-what-homeowners-need-to-know/) - [Adirondack Insurance Loses Financial Stability Rating: What NY Homeowners Need to Know](https://yourownagent.com/adirondack-insurance-loses-financial-stability-rating-what-ny-homeowners-need-to-know/) - [Winter Home Insurance: Don't Let Jack Frost Ruin Your Home!](https://yourownagent.com/winter-home-insurance-dont-let-jack-frost-ruin-your-home/) - [Does what you purchased provide what you expected?](https://yourownagent.com/does-what-you-purchase-provide-what-you-expected/) - [🚗🏡 Get Ready for Some Insurance Fun: Tackling Those Premium Increases!](https://yourownagent.com/%f0%9f%9a%97%f0%9f%8f%a1-get-ready-for-some-insurance-fun-tackling-those-premium-increases/) - [Protect Your Home: Be Ready for Water Damage Season](https://yourownagent.com/protect-your-home-be-ready-for-water-damage-season/) - [New Auto Insurance Rule: Spousal Liability](https://yourownagent.com/new-auto-insurance-rule-spousal-liability/) - [The Impact of a Government Shutdown on Home Closings and Flood Insurance](https://yourownagent.com/the-impact-of-a-government-shutdown-on-home-closings-and-flood-insurance/) - [Why Are Insurance Rates Skyrocketing? California's Crisis & New York's Rising Premiums Explained](https://yourownagent.com/why-are-insurance-rates-skyrocketing-californias-crisis-new-yorks-rising-premiums-explained/) - [The Recent Flooding in New York and Vermont: How to Protect Yourself](https://yourownagent.com/the-recent-flooding-in-new-york-and-vermont-how-to-protect-yourself/) - [The Pitfalls of Deceptive Sales Tactics: Ensuring Transparency and Accountability in Your Best Home and Auto Insurance Quotes](https://yourownagent.com/the-pitfalls-of-deceptive-sales-tactics-ensuring-transparency-and-accountability-in-your-best-home-and-auto-insurance-quotes/) - [Delivering Personalized Service: Hopmeier Evans Gage's Edge over Big Box Stores like Home Depot.](https://yourownagent.com/delivering-personalized-service-hopmeier-evans-gages-edge-over-big-box-stores-like-home-depot/) - [The Importance of Boat Insurance: Protecting Your Investment](https://yourownagent.com/the-importance-of-boat-insurance-protecting-your-investment/) - [Ensuring Your Financial Safety Net: The Importance of Disability Insurance](https://yourownagent.com/ensuring-your-financial-safety-net-the-importance-of-disability-insurance/) - [Unveiling the Mystery: Why Insurance Rates Are Skyrocketing](https://yourownagent.com/unveiling-the-mystery-why-insurance-rates-are-skyrocketing/) - [Protect Your Home from Winter Pipe Fiascos and Hilarious Water Mishaps!](https://yourownagent.com/protect-your-home-from-winter-pipe-fiascos-and-hilarious-water-mishaps/) - [Fire Departments: Most Common Auto Insurance Questions Answered!](https://yourownagent.com/fire-departments-most-common-auto-insurance-questions-answered/) - [Water Claims: How Much Time and Money They Cost and How to Avoid Them!](https://yourownagent.com/water-claims-how-much-time-and-money-they-cost-and-how-to-avoid-them/) - [Home Insurance Near Me Buying Guide](https://yourownagent.com/home-insurance-near-me-buying-guide/) - [Landlord, Investment Property Insurance or Rental Liability Insurance: What are my choices, and what are the issues in finding the right policy for me?](https://yourownagent.com/landlord-investment-property-insurance-or-rental-liability-insurance-what-are-my-choices-and-what-are-the-issues-in-finding-the-right-policy-for-me/) - [The Co-Insurance Rule is a MONSTER That BITES](https://yourownagent.com/the-co-insurance-rule-is-a-monster-that-bites/) - [The Hidden Costs of Co-Insurance](https://yourownagent.com/hidden-cost-of-co-insurance-homeowners/) - [Why Are My Rates Increasing?](https://yourownagent.com/why-are-my-rates-increasing/) - [Red Cars and Insurance..](https://yourownagent.com/red-cars-and-insurance/) - [Attention Tree Contractors!](https://yourownagent.com/attention-tree-contractors/) - [Airbnb, VRBO and Short Term Rentals- Everything You Need To Know!](https://yourownagent.com/airbnb-vrbo-and-short-term-rentals-everything-you-need-to-know/) - [Watch Out For This During Your Next Auto Insurance Claim!](https://yourownagent.com/watch-out-for-this-during-your-next-auto-insurance-claim/) - [CHEAP Contractors Insurance](https://yourownagent.com/cheap-contractors-insurance/) - [This is Why You Should Choose Angela to be Your Commercial Agent!](https://yourownagent.com/this-is-why-you-should-choose-angela-to-be-your-commercial-agent/) - [Gun Shops, Gun Clubs and Shooting Facilities- We Can Help You!](https://yourownagent.com/gun-shops-gun-clubs-and-shooting-facilities-we-can-help-you/) - [Flood Insurance Rates: HUGE Changes!](https://yourownagent.com/flood-insurance-rates-huge-changes/) - [How Much Should You Insure Your Home For?](https://yourownagent.com/how-much-should-you-insure-your-home-for/) - [Hi, I'm Angela](https://yourownagent.com/hi-im-angela/) - [Life Insurance Can be Complicated!](https://yourownagent.com/life-insurance-can-be-complicated/) - [Have You Heard? We Have an Awesome Referral Program!](https://yourownagent.com/have-you-heard-we-have-an-awesome-referral-program/) - [The Importance of an Insurance Binder- Referral Partner Update](https://yourownagent.com/the-importance-of-an-insurance-binder-referral-partner-update/) - [Liquor Store Insurance Coverage Gaps](https://yourownagent.com/liquor-store-insurance-coverage-gaps/) - [Gun Stores Insurance Coverage Gaps](https://yourownagent.com/gun-stores-insurance-coverage-gaps/) - [Are You Getting All of the Discounts You Deserve? MAXIMUM DISCOUNTS](https://yourownagent.com/are-you-getting-all-of-the-discounts-you-deserve-maximum-discounts/) - [AirBnB & VRBO Gaps and Issues With Insurance](https://yourownagent.com/airbnb-vrbo-gaps-and-issues-with-insurance/) - [Insurance Choice is POWERFUL](https://yourownagent.com/insurance-choice-is-powerful/) - [Dunkin Donuts and Insurance](https://yourownagent.com/dunkin-donuts-and-insurance/) - [We are Accountable to YOU!](https://yourownagent.com/we-are-accountable-to-you/) - ["Dial 0 to Talk to a Customer Service Representative"](https://yourownagent.com/dial-0-to-talk-to-a-customer-service-representative/) - [Have Property in an LLC, CCorp, SCorp or Trust?](https://yourownagent.com/have-property-in-an-llc-ccorp-scorp-or-trust/) - [Why You NEED an Umbrella Policy!](https://yourownagent.com/why-you-need-an-umbrella-policy/) - [COVID-19, One Year Later](https://yourownagent.com/covid-19-one-year-later/) - [Welcome to the Agency!](https://yourownagent.com/welcome-to-the-agency/) - [Do I Need Flood Insurance?](https://yourownagent.com/do-i-need-flood-insurance/) - [We're sorry to see you go, but we are still here for you!](https://yourownagent.com/were-sorry-to-see-you-go-but-we-are-still-here-for-you/) - [Bait and Switch- Everything You Need to Know!](https://yourownagent.com/bait-and-switch-everything-you-need-to-know/) - [Why You Need a Local Agent!](https://yourownagent.com/why-you-need-a-local-agent/) - [Workers' Compensation Insurance- Your Business Needs it!](https://yourownagent.com/workers-compensation-insurance-your-business-needs-it/) - [Discounts/ Bait and Switch- You Could be Missing Coverages!](https://yourownagent.com/discounts-bait-and-switch-you-could-be-missing-coverages/) - [Class B Foam- High Burn Rate Fires](https://yourownagent.com/class-b-foam-high-burn-rate-fires/) - [Water Line, Sewer Line or Gas Line- Why You Need Service Line Coverage!](https://yourownagent.com/water-line-sewer-line-or-gas-line-why-you-need-service-line-coverage/) - [Why Did My Home Insurance Rate Go Up? Todd Explains!](https://yourownagent.com/home-insurance-rate-went-up-why-why-why-todd-explains/) - [Why Did My Auto Insurance Rate Go Up? Todd is Here to Explain Why!](https://yourownagent.com/why-did-my-auto-insurance-rate-go-up-todd-is-here-to-explain-why/) - [Thanking All of the Professional Partners We Work With Each Day!](https://yourownagent.com/thanking-all-of-the-professional-partners-we-work-with-each-day/) - [With New Technology, There are Many Ways to Contact us!](https://yourownagent.com/with-new-technology-there-are-many-ways-to-contact-us/) - [No Fault and Your Motorcycle Insurance- From a Rider!](https://yourownagent.com/no-fault-and-your-motorcycle-insurance-from-a-rider/) - [Welcome to Our Agency- From Dave](https://yourownagent.com/welcome-to-our-agency-from-dave/) - [Why Do You Need an Insurance Agent?](https://yourownagent.com/why-do-you-need-an-insurance-agent/) - [Should Every Claim be Reported?](https://yourownagent.com/should-every-claim-be-reported/) - [Tree Removal- Is it Covered?](https://yourownagent.com/tree-removal-is-it-covered/) - [Be Alert! Stop Fraud Now!](https://yourownagent.com/be-alert-stop-fraud-now/) - [New Coverage Option for Your Home! Service Line Coverage!](https://yourownagent.com/new-coverage-option-for-your-home-service-line-coverage/) - [Hopmeier Evans Gage Agency Highway Cleanup September 2020](https://yourownagent.com/hopmeier-evans-gage-agency-highway-cleanup-september-2020/) - [Gender Reveal Causes Forest Fire. Umbrella Insurance Can Help!](https://yourownagent.com/gender-reveal-causes-forest-fire-umbrella-insurance-can-help/) - [You Have Choices When it Comes to Insurance! We Provide Those Choices!](https://yourownagent.com/you-have-choices-when-it-comes-to-insurance-we-provide-those-choices/) - [Are You Being Treated Like Family?](https://yourownagent.com/are-you-being-treated-like-family/) - [Co-Insurance and Replacement Cost- Are You Insured Properly?](https://yourownagent.com/co-insurance-and-replacement-cost-are-you-insured-properly/) - [Replacement Cost-- Let's Talk About Loss Settlement](https://yourownagent.com/replacement-cost-lets-talk-about-loss-settlement/) - [Understand Your Coverage Before the Claim! There May be Exclusions You Don't Know About!](https://yourownagent.com/understand-your-coverage-before-the-claim-there-may-be-exclusions-you-dont-know-about/) - [Is Your Business Ready to Reopen?](https://yourownagent.com/is-your-business-ready-to-reopen/) - [Bar and Restaurant Owners Have Options to Lower Their Premium Due to COVID-19](https://yourownagent.com/bar-and-restaurant-owners-have-options-to-lower-their-premium-due-to-covid-19/) - [Hopmeier Evans & Gage Teamed Up With Albany Distillery to Help LOCAL First Responders!](https://yourownagent.com/hopmeier-evans-gage-teamed-up-with-albany-distillery-to-help-local-first-responders/) - [Driving for Uber or Lyft? I Want to Tell You What is Missing in Your Coverage!](https://yourownagent.com/uber-and-lyft-insurance-coverage/) - [Rideshare Coverage -- Are You Insured for Uber and Lyft?](https://yourownagent.com/rideshare-coverage-are-you-insured-for-uber-and-lyft/) - [NY-DFS New Policy Payment and Cancellation Rules](https://yourownagent.com/ny-dfs-new-policy-payment-and-cancellation-rules/) - [Business Insurance Premium Reduction Options and Delivery Coverage-- COVID19](https://yourownagent.com/covid19-premium-reduction-and-delivery-coverage/) - [COVID-19 NEW YORK Disability Policy Coverage and Claim Process](https://yourownagent.com/ny-disability-coverage/) - [Small Business Administration Loan Program - COVID-19](https://yourownagent.com/small-business-administration-loan-program-covid-19/) - [COVID-19 Insurance Payment Help](https://yourownagent.com/covid-19-insurance-payment-help/) - [New Federal Payroll Tax Credits- COVID-19](https://yourownagent.com/new-federal-payroll-tax-credits-covid-19/) - [Relief Loans and Unemployment Links](https://yourownagent.com/relief-loans-and-unemployment-links/) - [Attention Bars, Taverns and Restaurants! You Could Be Missing Coverage!](https://yourownagent.com/attention-bars-taverns-and-restaurants/) - [Business Loss of Income Coverage- The Bad News so Far..](https://yourownagent.com/business-loss-of-income-coverage-the-bad-news-so-far/) --- ## Locations - [Schenectady Location](https://yourownagent.com/location/schenectady/) - [Esperance Location](https://yourownagent.com/location/esperance/) --- ## Schemas - [Insurance Agency Schema](https://yourownagent.com/schema/insurance-agency-schema/) ---