Independent Insurance Agency in New York

We are an independent insurance agency representing over 100 insurance companies giving us the ability to offer you the best coverage at competitive prices.

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Home & Auto

Home
Auto Insurance
Home Owners Insurance
Renters Insurance
Click here for the Defensive Drivers Course
USE OUR DISCOUNT CODE! :NY101

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Business Insurance

Office Buildings
Apartments and Condominiums
Restaurants
Day Care
Small Business Insurance

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Life, Accident, & Health Insurance

Annuities
Whole Life
Accident
Critical Illness
Disability
Employee Benefits
Term Life
Universal Life

Our goal is to be the only place you will ever need to go for insurance or real estate. We continue to expand our markets every year.

"I saved over $1,200.00 per year on my 3 policies by switching to Robert E. Schaff Ltd. Insurance & Real Estate. Garett treated me like family. I found him to ...be professional and highly knowledgeable. All of the staff in the office are helpful and provide the highest standard of customer service. I highly recommend them for all of your insurance and real estate needs. You won't be sorry."

- Gary K.

We Do the Shopping for You!

Let Us Shop for You

Why Should You Work With an Independent Agent?

An independent agent doesn't work for an insurance company, we work for YOU! We represent a carefully selected group of financially sound, reputable companies, allowing us to provide you the BEST coverage at the most competitive price. It is our policy to follow through to make sure YOU are getting fair, prompt, and courteous service.

Purchasing insurance is not the same as purchasing bread or milk. It’s one of your most important purchases as it protects you and your family from financial hardship. It’s a very important purchase and requires more than 15 minutes to do a thorough job. You should not treat the purchase lightly or allow anyone to do so.

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Video

Play Video

Garett Farrugia explains the benefits of working with an Independent Insurance Agency.

There is a difference in where you buy your protection. Many people do not realize there are four sources for insurance:

Captive Agents - Sell consumers the insurance of only one company.
Telephone Representatives - Offer consumers the insurance of one company and only via the telephone.
Internet Sites - Consumers can fill out an application online and get an insurance quote without any help or direction from a qualified professional.
Independent Insurance Agents - Represent an average of eight insurance companies and research with these firms to find consumers the best combination of price, coverage, and service.

Your Independent Insurance Agent, Robert E. Schaff Ltd.

Has been in the business since 1900.
Is a licensed professional with strong client and community ties.
Provides excellent service and competitive prices because he or she can access the insurance coverage from more than one company.
Unlike other agents is not beholden to any one company; thus, policyholders do not need to change agencies as your insurance and service needs change.
Assists policyholders when they have claims.
Is a consumer consultant, working to determine the consumer’s needs.
Offers consumers a choice of insurance plans and programs.
Is a value hunter who looks after the consumer’s pocketbook in finding the best combination of price, coverage, and service.
Offers one-stop shopping for a full range of products - home, renters, auto, business, life, etc.
Can periodically review a policyholder’s coverage to keep up with changing insurance needs.
Treats policyholders like a person, not just another number.

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Testimonials

"I asked Garett to give me a quote for my auto policy (3 vehicles), and almost fell out of my chair when he told me he could save me OVER $940 A YEAR and increase my coverage. Not only did he save me money the service has been spectacular. I strongly encourage you to call for all your insurance needs."

-Joel Anders

"Also my mom mentioned something about there being even more coverage offered now and she suggested me asking you about that since she trusts you guys and your advice exclusively (that's why I live in the next city over and still use you!!!)."

-Rebecca G

"I just wanted to thank you for all of your help last week. We are able to close in time! You are awesome. My husband and I will be in touch regarding car insurance... we will need more coverage now. Thank you again."

-Melissa Martinelli

"I just wanted you to know and add to your file that my car was repaired at the dealer...I am very satisfied with the work. Thank you for your time and advice. It is a good feeling to know my insurance company was there to help. I also appreciated you lending a ear to my problem. Thanks again."

-Yvonne Bettinger

"I have 100% faith in your decisions! I wish people UNDERSTOOD the VALUE of an agent like you and that it does not mean you pay more!"

-Gary Reitmeier

"I was looking for insurance for my daughter and Garett made it so easy for me and found the best insurance for my daughter. I have and will continue to recommend this company to all."

-Jennifer Vahl

"Had a great experience with Garett and his team as my realtor and lawyer while buying my first home. They made everything very easy and they were all extremely helpful through out the entire process."

-Mike Koshinsky

-Gary Krzeminski