Skeele Insurance Agency

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  • About
        • Our Agency
        • Skeele Insurance Agency has a rich history of serving and protecting both the people and businesses of upstate New York for more than 60-years.

          What started out as a single location in the home of its founder, Col. Charles W. Skeele, is now a six-location agency with a staff of local professionals representing dozens of regional and national companies.

        • Learn More…
        • Our Agents
        • When comparing insurance agencies, you will find a number of things that differentiate one agency from another. The most important difference is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

        • Learn More…
        • Our Companies
        • Skeele Insurance Agency is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple companies, we can assure our customers the right fit, which includes the right coverage and a great value when it comes to price.

        • Learn More…
        • Reviews
        • For years people have relied on the opinion of others when shopping for a product or service. That is especially true today.

          Online reviews are fast becoming an important part of many businesses, including our own. Take a moment to read a few of the kind words our customers have had to say about our agency.

        • Learn More…
  • Latest News
    • Our Insurance Blog

      Every so often we publish an article that we think would be of interest to our policyholders. Check back often to learn about personal and commercial insurance, risk management, safety, or home maintenance.

    • Recent Posts

      • Flexible Underwriting – The Benefits of Working With An Independent Insurance Agent June 8, 2022
      • The Rising Cost of Home Insurance May 16, 2022
      • Insuring Collectibles: You May Not Have the Coverage You Need January 14, 2022
      • Happy Holidays to All December 9, 2021
      • Your Guide to Insurance on Electric Cars in New York June 18, 2021
  • Locations
        • Waterville
        • 125 W Main St., Waterville, NY 13480
          Phone: 315-797-3515
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: watervilleoffice@skeele.com

        • Moravia
        • 10 Central St., Moravia NY 13118
          Phone: 315-497-0410
          Emergency: 315-436-1459 Matt Skeele
          Fax: 315-682-5143
          Email: moraviaoffice@skeele.com

        • Manlius
        • 226 Fayette St., Manlius, NY 13104
          Phone: 315-682-5141
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Manliusoffice@skeele.com

        • Chittenango
        • 920A East Genesee St., Chittenango, NY 13037
          Phone: 315-687-3901
          Emergency: 315-480-2525 Shawn Skeele
          Fax: 315-682-5143
          Email: Chittenangooffice@skeele.com

        • DeRuyter
        • 1715 Albany St. P.O. Box 459, DeRuyter, NY 13052
          Phone: 315-852-6180
          Emergency: 315-436-1458 Mike Skeele
          Fax: 315-682-5143
          Email: Deruyteroffice@skeele.com

        • Cazenovia
        • 9 Albany Street Ste 2F, Cazenovia, NY 13035
          Phone: 315-655-2878
          Emergency: 315-380-7727 Shea Skeele
          Fax: 315-682-5143
          Email: Cazenoviaoffice@skeele.com

  • Connect
        • Get a Quote!
        • Are you looking for a quote on your personal or business insurance? You are in the right place, just fill out the request form, or call our agency, and we'll be in touch to ask a few questions about your needs, and answer any questions you have.
        • Request a Quote…
        • Refer a Friend
        • Do you have a friend or relative that is looking for a change? We would certainly appreciate the opportunity to earn their business. Just fill out the referral form by following the link below and introduce them to Skeele Insurance Agency.
        • Refer a Friend…
        • Manage Your Policy
        • Do you have a change that you need made to your policy? You are in the right place. Whether you just bought a new car, or need to change coverage on your home or business, visit our Manage Your Policy page and we'll take care of you.
        • Manage Your Policy…
        • The Skeele App
        • Manage your policy directly from your Smartphone. The Skeele Insurance Agency app allows you to call, text, or email your agent to request changes or report a claim. You can also pay your bill, share the app with family members, and a whole lot more.

        • Download Our App…
  • Personal Insurance in NY
    • Auto Insurance
    • Classic and Antique Car Insurance
    • Car Insurance Rates
    • Custom and Modified Car Insurance
    • Home Insurance
    • Condo and Townhouse Insurance
    • Mobile and Manufactured Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • Vacant Home Insurance
    • Flood Insurance
    • Umbrella Insurance
    • Motorcycle Insurance
    • Snowmobile Insurance
    • ATV Insurance
    • Travel Trailer Insurance
    • Recreational Vehicle Insurance
    • Boat and Jet Ski Insurance
    • Life, Investment and Health Insurance
  • Commercial Insurance in NY
    • Apartment Building Insurance
    • Rental Property Insurance
    • Bed and Breakfast Insurance
    • Farm Insurance
    • Trucking Insurance
    • Office Insurance
    • Restaurant Insurance
    • Retail Insurance
    • Home Based Business Insurance
    • Logging And Forestry Insurance
    • Animal Control Specialist
    • Business Owners Insurance Coverage
    • Inland Marine Insurance
    • Premises Liability Insurance
    • General Liability Insurance
    • Contractor Liability Insurance
    • Professional Liability Insurance
    • Vendor Liability Insurance
    • Commercial Flood Insurance
    • Workers Compensation
    • Commercial Umbrella Insurance
  • About Skeele Insurance
    • About Skeele Insurance
    • Our Agents
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    • Reviews
  • Latest News
  • Office Locations
    • Cazenovia
    • Chittenango
    • DeRuyter
    • Manlius
    • Moravia
    • Waterville
  • Connect
    • Get A Quote!
    • Manage Your Policy
    • Refer a Friend
    • The Skeele Agency Insurance App

Dwelling Fire Insurance

Choosing the most suitable home insurance is not always easy. There is a wide variety of insurance coverage and while some are straightforward, others can be extremely confounding. One of the insurance policies that we offer at Skeele Agency, Inc. is dwelling fire insurance.

What Is Dwelling Insurance?

Any landlord or homeowner can purchase a dwelling fire insurance policy. It is similar to a homeowner’s insurance, only that it is somewhat restrictive. It covers your home’s structure and best suits a property that doesn’t require comprehensive coverage.

This insurance covers various specific hazards that can potentially damage your home and cause major losses. Your policy, therefore, covers you against certain “named perils” which include the following:

  • Smoke damage
  • Fire
  • Lightning
  • Wind damage
  • Hail
  • Riot
  • Explosion
  • Vandalism
  • Earthquakes, among others.

When such hazards occur and cause damage to the structures on your property, dwelling fire insurance pays for the rebuilding costs. For the insurance to pay up, the damaged parts must be attached to the main structure of your house. This policy does not cover separate structures such as guest houses and sheds; it would be wise to add them separately to your policy to ensure you are adequately covered.

What Is The Difference Between Homeowners Insurance and Dwelling Fire Insurance?

A homeowner’s insurance policy is specially designed for a family home. As long as the owner resides in that particular home, the home is insured under the homeowner’s insurance policy.

On the other hand, a dwelling fire insurance policy is best suited for a rental property, vacant/unoccupied or a seasonal home. If you have one or more houses that you have exclusively rented out to tenants, then you should insure the houses with a landlord policy. The group of insurance companies we work with at Skeele Agency, Inc. provide the following types of dwelling fire insurance coverages:

  • Dwelling:

    This covers the structure of your house. It covers the supplies and materials used in repairing, altering and constructing the home.

  • Personal Property:

    As a landlord, you have this optional coverage to satisfy any losses of personal property that you may have in your dwelling. These include items such as personal appliances and furniture. Note that this policy does not cover all private property.

  • Fair Rental Value:

    If your property is damaged to an extent that tenants can no longer live in it, a fair rental value covers rent losses.

  • Other Structures:

    You can choose to insure other structures on your premises that are detached from the house. These buildings include detached garages and tool sheds, among others.

  • Additional Living Expenses:

    This coverage applies if the owner lives in the dwelling and it becomes uninhabitable due to a covered hazard. It pays for the extra living costs brought about by displacement in case of a mandatory evacuation.

CONTACT OUR PROFESSIONAL INSURANCE AGENTS TODAY FOR MORE INFORMATION ABOUT DWELLING FIRE INSURANCE!

Contact Us

Get a Quote! Refer a Friend!
Local people, personal service!! ♥️
Linda R.
Linda R.
1683660638
ALWAYS VERY HELPFUL, STAFF IS FRIENDLY
Dan “Tree cuttin fool” L.
Dan “Tree cuttin fool” L.
1678292046
Lisa helped me out with an amazing quote that doubled my coverage and cut my premium in half!
Laura N.
Laura N.
1669207434
Jackie Boyden is always taking care of her customers. She is always going above and beyond to make her customers happy!! If your looking to save money and have great customer service then Skeele is the place to go!
Bernie B.
Bernie B.
1615204496
A very professional agent worked very efficiently and with great care to meet my insurance needs. I recommend this business highly.
Claire S.
Claire S.
1614990197
Fast and easy service. Biggest plus is they don't blow up your email or text messages with useless information.
John P.
John P.
1608119701
It was real easy give them your info and they do the work for you. It was all electronic I will definitely reccomend people
Raymond J.
Raymond J.
1605873908
Easy and extra helpful. What more can you ask for?
brandon R.
brandon R.
1601568633
Jen is awesome! Absolutely great to work with.
Joe L.
Joe L.
1599835580
One of the few local insurance companies that will do renters insurance with a bully breed dog. Very accommodating and very personable staff
Pamela C.
Pamela C.
1595339345
Friendly, patient, and very helpful with our many questions. Open for questions and helped us with pros and cons of our services.
David B.
David B.
1590939969
Shayna is fantastic! Anytime we need anything, I just give a call to the office, and they are always there to help.
jen w
jen w
1590422097
We have been very pleased with the VERY friendly people at the Skeele Agency. They are always very helpful and professional and pleasant. They are very quick to help and get the insurance in place. We do recommend them to others.
Mary Jane F.
Mary Jane F.
1590173861
Great place, nice people, very helpful.
Dan B.
Dan B.
1580854593
Skeele Insurance Agency has alway provided us with excellent customer service. The employees are always helpful, and they’re always willing to get our questions answered.
Heather H.
Heather H.
1580841856
Skeele is a wonderful choice for all your insurance needs! They are quick to respond, they're great about answering all questions, make it SUPER easy, and very helpful!
DeAnne M.
DeAnne M.
1580835832
quick and good prices, friendly staff, highly recommend!
Gethel C.
Gethel C.
1579796547
High quality insurance agency! Very knowledgable and responsive. They make insurance easy and are adept at finding policies to fit many different situations.
Matthew L.
Matthew L.
1569924072
Very knowledgeable and courteous staff. Great pricing and good people to do business with.
Julia K.
Julia K.
1563296462
The personal attention and quick response is terrific. I love that you're available if I have any questions and are willing to work to achieve what is best for me.
sally E.
sally E.
1562775325
It was very nice to reach out to Jacki and her colleagues and through their vast experience and knowledge they were able to put together an insurance package that pertained to me and my businesses needs. Skeele insurance was able to save me a significant amount of money compared to my prior insurance provider therefore I'm able to put more money back into my business and less time worrying about running costs.
George S.
George S.
1559241182
Shayna is great to work with. I have been with the Skeele Agency for over 10 years now and they have all ways been there for my business. If I have a question or need certificates, Shayna is the one to take care of it.
John B.
John B.
1556892970
They are very very helpful friendly easy to work with and they know their stuff
Tammy J.
Tammy J.
1556640212
We were actually referred to Jen and the Skeele Agency by a friend and she bent over backwards with very little notice to help us obtain our home owners insurance! She did right by us and we're very happy.
Corey M.
Corey M.
1556391792
Very efficient and had the correct information as it pertained to NYS insurance requirements
Gerard T.
Gerard T.
1555520111
Upfront and perfect. office managerShayna is excellent solving problems.knows the in and out of insurance. I asked her questionsshe responds with knowledge of the subject.Pleasant office. tastefully decorated. We are happy with theSkeele Agency. Thank you.
Barbara S.
Barbara S.
1553881590
I have been very impressed with not only the savings in money for my personal and business needs (which is a few thousand total) but the genuine concern Skeele Insurance has for myself and my business. Proper insurance is huge and Matt took several hours educating me on how to get exactly what I needed!! Skeele Insurance has won my business that’s for sure!!
Patrick S.
Patrick S.
1553033029
They are courteous, competent and experienced. Plus their agency is conveniently located right in town 😄. What more could a customer ask for?
Sherry P.
Sherry P.
1550251380
The Skeele Agency was referred to us by our mortgage broker. They did not disappoint. Very professional, helpful and easy to work with.
Robin L.
Robin L.
1549744438
Awesome staff
Renata O.
Renata O.
1548033696
We have worked with Skeele Insurance from the start of our business and it’s been a pleasure every step of the way. Matt always responds promptly to any questions and explains thoroughly any new insurance we need as we grow our business. They also have great communication between all the offices which is very helpful if you’re in the area of an office you don’t usually stop in at.
Harvey Seals L.
Harvey Seals L.
1546961552
Good people take care of you in your time of need
Mike M.
Mike M.
1546793769
Service is always top notch. Personnel always pleasant and helpful. I have been a customer for over 38 years
Ron B.
Ron B.
1545491789
The Skeele Agency is Awesome!Shayna has always been really helpful and friendly and informative and she has always helped me get everything done quickly and efficiently!
Becky T.
Becky T.
1544116981
You always promptly answer my call and solve any issues with both my business and personal accounts. You and your staff are courteous and energetic about answering questions and provide excellent customer service. Thank you for always working with me.
Denise K.
Denise K.
1543249144
Always available, always attentive to my needs, always looking to get better coverage for lower premiums - very much appreciated
Paul B.
Paul B.
1542738726
Maureen was pleasant, understanding and helpful during a stressful time. She took the extra time to call my previous insurance company for me, in order to complete the process in one visit. Allowing me to purchase a policy and get on with my day!!
Autumn F.
Autumn F.
1542738442
We purchased our car and home insurance from the Skeele Agency 2 years ago. We wanted to work with a local agency. We were very pleased with our experience with Maurine Brown. She spent lots of time with us and answered all our questions. We just purchased a new car and decided to stay with the Skeele Agency. Couldn't ask for better service.
Jeff P.
Jeff P.
1542401321
The last time my policy came up[ for renewal I did a comparison with other company's. I did find a quote that was less but I stayed with the Skeele agency. I did not want to risk losing the level of service that the Skeele agency provides.
David M.
David M.
1541715573
The agents answer any questions promptly and are very helpful.
Willinette C.
Willinette C.
1541093129
I appreciated that they took time to explain my questions and concerns. They were very honest people to deal with.
Laurie K.
Laurie K.
1540991959
Shawn Skeele always takes the time to answer my questions thoroughly and make recommendations that are in my best interest. He's never too busy to call and explain an answer in detail or run a quote to see if I can get a better price.
Kristen L.
Kristen L.
1540311143
The whole process of switching agencies was easy and Matt Skeele couldn't have been any more helpful. Every time a question has come up we will email Matt and he responds almost immediately. Switching from Allstate to Skeele for home owner insurance and car insurance wasn't only a better financial option but has turned out to be one of the best choices we've ever made. Thank you so much for everything and I will continue to refer every person I speak with to your agency.
Tara C.
Tara C.
1539202222
Great people to work with.
Jonathan B.
Jonathan B.
1537986382
Your customer service rocks! Your team is prompt and attentive!
Terra J.
Terra J.
1536718635
Skeele is always there when I have a question. They are the face of my Insurance and they answer my questions and go to bat for me when I need them the most. Skeele is the only insurance agency I would even think about going with.
Christopher M.
Christopher M.
1536078018
Great personal customer service!! Great people to work with!!
Joleen Viele W.
Joleen Viele W.
1529624085
Transferred my homeowners and auto insurance to Skeele.
Janice H.
Janice H.
1526934932
This is an excellent group to deal with! I've had all of my insurances with Shawn and his people for 15 years and couldn't be happier.
Norman W.
Norman W.
1524311712
Skeele is a very friendly, helpful agency. We trust them with our home, auto and business insurance and they are very knowledgable.
Susan K.
Susan K.
1523364836
We have found the Skeele Insurance Agency to be very helpful, and always willing to answer questions.
Colette S.
Colette S.
1519684975
Very helpful and friendly staff that is always there when I need them.
jon L.
jon L.
1517356944
Great local company! Family-owned for generations.
Paul H.
Paul H.
1517351753
Skeele Agency has been insuring my home and property since I first moved to Central NY in 1996: that is 22 years! Their customer service is unparalleled. I have filed claims for wind storms that caused quite a lot of damage, including to boats, trees, roofing-- always with a very high confidence that the insurance policy they advised me to invest in would take good care of me.
Paul H.
Paul H.
1517351470
Small town friendly, big city responsive. I am very happy with them.
William C.
William C.
1514562064
Lisa Bancroft is patient, friendly and thorough. She helped me find the best homeowners and auto insurance policies for my needs. I highly recommend Skeele.
Pamela H.
Pamela H.
1513890293
Excellent Agents find the best insurance fit for each person's needs
Marcia J.
Marcia J.
1513886427
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About Skeele Insurance

Skeele Agency, Inc. is a fourth generation, family-owned and operated, independent insurance agency. Our professional insurance services provide a wide variety of policies to fit your needs along with delivering exceptional customer service to all our clients.

Our Hours

Monday - Friday 9:00 - 5:00
Saturday and Evenings By Appointment

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