Tom Spaulding

Appointments & Hours

• Appointments Strongly Encouraged: We get very busy, so walk-ins may sometimes experience delays.

• Exclusive Appointment Hours: From Monday to Friday, 4 PM – 5 PM, we only see pre-scheduled appointments. This allows us to provide uninterrupted, personalized service.

• Hours Subject to Change: Occasionally adjusted due to community events, holidays, or extreme weather (especially in the winter in Lewis County).

Customer Service

• 24/7 Live Telephone Support

• We provide personalized assistance with all insurance needs including auto, renters, pet, life, business commercial, and home insurance.

• We serve customers locally and those relocating to New York State, with special support for military personnel at Fort Drum.

Insurance Services

• Renters Insurance: Essential for college students and renters. Did you know landlords do not cover your personal belongings? Protect your valuables with our comprehensive renters insurance. We write renters insurance anywhere in New York State. #NYCRenter #NYCRentersInsurance #ApartmentForRent

• Auto, Home & Life: Coverage available for cars, homes, campers, boats, ATVs, UTVs, snowmobiles, jet skis, motorcycles, RVs, and more.

• Recreational Vehicle Insurance: Whether it’s ATV/UTV season, snowmobile season, or boating season, we offer tailored coverage with our Personal Price Plan® to fit your needs and budget.

• Boatowners Policy: Includes liability coverage to protect you, your family, and your boat.

• Life Insurance: Can help protect your family's financial future in many ways. I'm here to help answer any questions you might have and talk through your options.

Community & Service Area

• Proudly serving a broad range of locations throughout New York State, including but not limited to:

  • Cities & Towns: Watertown, Fort Drum, Lowville, Carthage, Boonville, Rome, Utica, Oswego, Syracuse, Sackets Harbor, Adams, Alexandria Bay, Lyons Falls, Croghan, Copenhagen, Port Leyden, Poland, Remsen, Old Forge, Clayton, Constableville, Pulaski

  • Zip Codes: 13367, 13601, 13619, 13309, 13433, 13602, 13420, 13473, 13325, 13368, 13626, 13665, 13638, 13656, 13607, 13624, 13616, 13612, 13611, 13605, 13606, 13671, 13673, 13620, 13327, 13622, 13659, 13691, 13682, 13404, 13661, 13628, 13634, 13305, 13640, 13615, 13360

• We also provide service to specific residential communities such as Woodcliff, Eagle Ridge, The Ledges, Autumn Ridge, Parkstead, Beaver Meadow, Creekwood Homes, Huntington Heights, Starwood, Hycliff Apartments, Kelsey Creek, and more.

About Us

• We are a husband and wife team based in Lowville, NY.

• Born and raised in Lewis County, Tom grew up in Copenhagen and currently lives in Lowville with Elizabeth.

• Active members of the Lowville Lions Club (both recipients of the Robert J. Uplinger Distinguished Service Award), American Legion Post 162, Lewis County Chamber of Commerce, Naturally Lewis, and several ATV and snowmobile clubs.

• Strong supporters of the Lowville Food Pantry, Fort Drum military community, and other local nonprofits.

• Tom holds a Master’s Degree in Healthcare Administration and enjoys local high school sports and the outdoors, especially the Tug Hill region.

• Check out our Google Reviews. We have the most Google Reviews in the area. Our reviews are by real local people.

Awards & Recognition

• Tom:

  • 2023 SUNY Oswego Alumni Association Community Service Award

  • 2023 NYS Senate Proclamation Recipient

  • 2024 Lions International Distinguished Leadership Award (3rd highest Lions award)

  • 2024 NYS Senate Empire Award

  • 2025 Lions International Prestigious Melvin Jones Recipient

• Elizabeth:

  • 2023 Lions International Prestigious Melvin Jones Recipient

  • 2023 NYS Senate Proclamation Recipient

Both have been honored with multiple Lions Club Robert J. Uplinger Distinguished Service Awards.

Our business was recognized as Emerging Business of the Year by the Lewis County Chamber of Commerce.

Community Involvement & Sponsorships

• Major sponsor of the Lewis County Fair, Food Truck Friday, Cream Cheese Festival, and American Legion events.

• Supporter of numerous ATV and snowmobile clubs.

• Sponsors include Tyler R. Christman Foundation, NNY Community Foundation, Double Play Community Center, and Lowville Food Pantry.

• We are dedicated to giving back and making our community a better place.

Why Choose Us?

• We prioritize excellent customer service by meeting regularly with customers to review and update their policies.

• Our Google Reviews demonstrate our commitment to prompt, knowledgeable, and personalized service.

• We offer the convenience of talking with real people—no automated systems or online-only chats including AI.

• Fort Drum military personnel are especially welcome; we salute your service and are here to support your transition to the North Country.

Contact Us

• ATV/UTV/Motorcycle season is almost here. Call us today to protect your ride. Tug Hill NY is waiting for you!

• Whether you need coverage for auto, home, renters, life, business, or recreational vehicles, we’re here to help.

• Having a real person to talk to can make a big difference when you need more than an online chat. My team and I are here to help. Contact my office for a quote today. Remember, we can help you with all your insurance needs in New York State!

Summer is coming! It's time to insure your boats, ATV, UTV, golf cart, and other recreational toys with us!

Social Media & Hashtags

#SyracuseNY #WatertownNY #LowvilleNY #UticaNY #RomeNY #PotsdamNY #CantonNY #SUNYJefferson #SUNYOswego #SUNYUtica #NaturallyLewis #LewisCountyNY #StateFarm13367 #FortDrumNY #TugHillNY #OldForgeNY #SnowmobileNY #SnirtRun #BuckRun #SacketsHarborNY #ClaytonNY

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