New York State Department of Financial Services extends grace periods for certain property/casualty insurance policies.  If you are an individual or small business and can demonstrate financial hardship as a result of the coronavirus pandemic.  
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New York State Department of Financial Services extends grace period and give you other rights under life insurance policy or annuity contract if you can demonstrate financial hardship as a result of the coronavirus pandemic.  Read more.


As we continue to monitor the spread of COVID-19 (coronavirus), the health and safety of our policy holders and staff is our top priority. Based on recommendations from the CDC (Center for Disease Control) as well as the recommendations from the New York State Governor,  SEFCU Insurance Agency has made the decision to temporarily close our offices located at 469 State Street, 3rdFloor, Schenectady and 297 Main Street, Schoharie beginning Friday, March 20th until further notice. 

This temporary closure affects SEFCU Insurance Agency offices ONLY. 

During this time of uncertainty, you can rest assured knowing that SEFCU Insurance Agency will continue to meet the needs of our customers. Agents are available by phone as well as email to service your policies, offer quotes, and answer any of your questions. We will not be staffing our offices or accepting premium payments in person.

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Personal Insurance

We are your one-stop shop for all of your personal insurance needs. We provide our clients with superior support and the latest in products and programs. Insurance is not just one-size fits all. Everyone has unique insurance needs which is why we take the time to get to know you and create a portfolio of insurance products designed to protect the needs of you and your family.

Once your policies are issued, that is only the beginning – we are here to educate you on the terms of your insurance policy and ensure that your claims are settled to your satisfaction.

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Automobile Insurance

Whether you own or lease your auto, it's important to protect your vehicle from theft and damage with the right insurance coverage.

Homeowners Insurance

Homeowners insurance protects more than just the building. It provides coverage against theft, damage, and protects you from personal liability

High-Value Home Insurance

High-Value Home Insurance

If you own a high-value estate with expensive valuables or unique features, chances are you need specialized insurance coverage. 

Life Insurance

With the right life insurance, you can rest assured that your loved ones are protected.

Long-Term Care Insurance

Protect your hard-earned assets and maintain control of future health care decisions with long-term care insurance.

Condominium Insurance

Condominium Insurance

As an owner of a condominium unit, your insurance needs are different from other homeowners.

Renters Insurance

Renters Insurance

Renters insurance is designed to protect you against damage or loss of personal property when you rent an apartment, condo, or home.

flood insurance

Flood Insurance

In most cases water damage is not covered by homeowners insurance. What if you had water damage and didn't have flood insurance?

Motorcycle Insurance

No matter the type of ride, we offer insurance to protect you and your bike.

Boat Insurance

If you have an accident while towing your boat or personal watercraft, are you adequately protected?

RV Insurance

Regardless of the type of RV you have, we have the specialized type of insurance to provide you with the protection you need.

Jewelry and Valuables Insurance

Did you know your homeowners or renters policy does not fully cover your jewelry and valuables?

Wealth Transfer

Wealth Transfer

You are now at a point in your life that you want to arrange to transfer your wealth to your family, college, or favorite charity.

SEFCU Personal Umbrella

Personal Umbrella

We are a litigious society – there are more and more lawsuits filed every year.  In record numbers, people are awarded larger judgments than ever before.

Student Benefits

SEFCU Insurance Agency and GradGuard™ have teamed up to offer Tuition Refund Insurance and College Renters Insurance which are designed to help college students and their...

For more information or to obtain a free, no-obligation quote please call our team at 518-786-9905 or 888-250-6689 (toll free).