H.P. Smith & Son Insurance Agency, Inc.

We Take Great Pride In Our Service After the Sale


IMPORTANT MESSAGE FROM H.P. Smith & Son Insurance Agency, Inc.

Woodhull, NY

Dear Valued Insurance Customer,

                We hope that this message finds you and your family safe and healthy. 

                These are difficult times. The New York Legislature and Department of Financial Services have been implementing emergency measures in an effort to protect insurance policyholders who have been hit with financial hardship because of the COVID-19 pandemic.  Regulations they enacted include: the waiver of late fees; the prohibition on reporting negative data to credit reporting agencies; and the repayment of late premiums over a 12-month period.

If you have been impacted by this pandemic, this means help may be available.

  • If you can demonstrate that you’re unable to make a timely premium payment due to financial hardship because of the COVID-19 pandemic, you may pay such premium over a 12-month period.  
  • If your policy is financed through a premium finance agency, they must provide a grace period before cancelling your policy for late payment of an installment if you can demonstrate financial hardship because of the COVID-19 pandemic. This grace period will be 60 days for a property/casualty policy; 90 days for a life insurance policy.  You will be given a 12-month period to pay the missed installment, and the premium finance agency may not impose late fees or  report you to any credit reporting agency or debt collector because of that installment.

You may prove hardship by submitting a written attestation to the insurance company or premium finance agency regarding your financial hardship resulting from the COVID-19 pandemic.  The full text of the relevant regulations can be read here: https://www.biginy.org/nysdfs.

If you have any questions about this or your policy, don’t hesitate to contact our team. We’re proud to continue helping you protect what matters most.

Stay safe,

Leslie Smith

H.P. Smith & Son Insurance Agency, Inc.

Fulfilling Your Insurance Needs

Life is unpredictable, and no matter how many precautions you take, there’s no telling what’s in store for tomorrow. At H.P. Smith & Son Insurance Agency, Inc., we try to prepare for tomorrow’s uncertainties by offering our clients protective insurance solutions from our conveniently placed Woodhull, NY, location.

At our office, we dedicate ourselves to keeping our clients protected with the correct coverage . As one of the top-rated agencies in the region, we have provided residents throughout Woodhull, Addison, and Corning, NY, and surrounding communities with a diverse assortment of coverage solutions since 1890.

Because of our size and independent status, we can provide individualized attention and superior customer service that many of the big guys just can’t compete with. We work one-on-one with our clients to provide them with a customized experience and plans tailored to each client’s unique needs.it 

From helping you find the best auto insurance coverage for your vehicle to comparing homeowner’s insurance policies, we’ll help you through every step of the insurance purchasing process. When you need an insurance policy you can depend on and an insurance company you can trust, turn to our Woodhull, NY, location for all your insurance needs.


 Unlike the big companies, our agency is dedicated to serving the individual. We work one-on-one with each client to make sure all their individual needs are met.


Our insurance agency is well-versed with many years of experience, having been in business since 1890. Whether you need home, auto, life insurance, or something different, our quality agents have the experience to help.


We work with the top companies in the business including Progressive, Allstate, Utica Insurance, Erie Niagara Insurance, Allegany Co-Op, Ostego Mutual and Preferred Mutual to not only bring you coverage you can count on, but coverage that won’t break your bank.

Experience You Can Trust

For over 128 years, our number one goal at H.P. Smith & Son Insurance Agency, Inc. has always been to be the top insurance provider in Southwestern New York. With a business built primarily on client satisfaction and referrals, we take great pride in providing top-quality customer service throughout Woodhull, Hounds, Cornell, Addison, Corning, NY, and surrounding communities.

We offer full-service insurance coverage from a variety of companies. We’re guaranteed to have an insurance plan that fits your individual needs and budget. Whether you need auto insurance, homeowners, motorcycle or business insurance, our quality insurance solutions will keep you feeling protected.

For more information regarding available insurance services, don’t hesitate to give our Woodhull, NY, location a call today! We’re looking forward to serving you.


- Auto Insurance

- Homeowner's Insurance

- Boat Insurance

- Life Insurance

- Business Insurance

- Motorcycle Insurance

- Farm Insurance

If you’re looking for quality insurance coverage in Steuben County, NY, that you can depend on, turn to our agents at H.P. Smith & Son Insurance Agency, Inc. today.

Hours of Operation: 

Monday - Friday: 9:00 AM - 5:00 PM

Contact Us Today!