Sprague & Killeen, Inc.

08/26/2026

INSURANCE 101 🏠
Replacement Cost vs. Market Value — They’re NOT the same thing!
Your home may be worth $300,000 on the real estate market, but that doesn't necessarily mean it should be insured for $300,000.
🏡 Market Value is what your home and property may sell for.
🔨 Replacement Cost is an estimate of what it would cost to rebuild your home with similar materials and workmanship after a covered total loss.
Things like construction costs, labor, materials and debris removal can all factor into rebuilding costs.
That's why your home's insurance amount may look very different from its market value.
Have questions about the amount your home is insured for? Give us a call. We're happy to help explain your coverage.
Sprague & Killeen, Inc.
Trusted Local Insurance Agency Since 1867
📞 845-647-9100

08/11/2026

💡 Insurance 101: What Is a Deductible?

You’ve probably heard the word deductible when talking about insurance—but what does it actually mean?

A deductible is the amount you’re responsible for paying toward a covered claim before your insurance pays its portion.

For example:
If you have a $1,000 deductible and a covered loss causes $5,000 in damage, you would generally pay $1,000 and your insurance company would cover the remaining $4,000, subject to your policy terms and limits.

Choosing the right deductible is an important part of your insurance coverage. A higher deductible can often mean a lower premium, while a lower deductible may mean a higher premium.

Not sure what your deductible is or whether it still makes sense for you? Give Sprague & Killeen, Inc. a call. We’re always happy to help you understand your coverage.

Real people. Real answers. Local service.

08/10/2026

☀️ Summer Isn’t Over Yet… But It’s Going Fast!

August always seems to fly by. Between last-minute getaways, back-to-school shopping, family adventures, and soaking up those final summer weekends, it’s a busy time of year!

As summer winds down, it’s also a great time to make sure your insurance is keeping up with life’s changes.

🏡 Home
🚗 Auto
🏢 Business
🚤 Recreational
🔑 Renters & more

At Sprague & Killeen, Inc., we’ve been helping our neighbors protect what matters most since 1867.

Enjoy every last bit of summer and remember, when you need us, we answer the phone. Real people. Real answers.

Sprague & Killeen, Inc. Insurance Agency
Trusted Local Insurance Agency Since 1867

08/10/2026

Let's hear it for our Blue Ribbon Sponsor!! Sprague & Killeen, Inc. !!
Thank you for being an intergral part of supporting the fair every year!
Please help support our community by choosing local business!

07/21/2026

🌦️ Rain can reduce visibility and increase stopping distance.

✔️ Slow down
✔️ Turn on your headlights
✔️ Check your tire tread
✔️ Avoid driving through standing water

A few extra minutes can make all the difference.

06/18/2026

06/18/2026

🎓 School’s Out, Summer’s In! ☀️

The backpacks are getting tossed aside, the final bells are ringing, and summer break is finally here for many New York students! As families head into a season of vacations, camps, road trips, and outdoor fun, now is a great time to make sure your insurance coverage is ready for all of summer’s adventures.

Whether you're hitting the road, opening the pool, taking out the boat, or preparing for summer travel, Sprague & Killeen is here to help protect what matters most.

✅ Auto Insurance
✅ Homeowners Insurance
✅ Recreational Vehicles & Campers
✅ Boats & Watercraft
✅ Umbrella Coverage

From all of us at Sprague & Killeen, congratulations to the graduates, teachers, and students on another successful school year. Have a safe, fun, and memorable summer! 🌞

📞 845-647-9100
📍 Ellenville, NY

06/10/2026

🥵 It's a HOT one out there!

Remember:
💧 Drink plenty of water
🐾 Keep pets cool
🚗 Never leave kids or pets in vehicles
🏊 Watch children around water

Stay safe, stay cool, and enjoy the sunshine!

From your friends at Sprague & Killeen, Inc. ☀️

06/01/2026

🚗🔧 FOUND ITEM AT WINGS & WHEELS FOR WARRIORS CAR SHOW 🔧🚗

Did you lose this at the car show?

This tool/socket was found during cleanup following the event. If it belongs to you, we'd love to get it back in your hands.

📞 Please contact Sprague & Killeen, Inc. at 845-647-9100 to claim it.

Feel free to share this post to help us find the owner!

05/26/2026

We remember ❤️ We Honor 🤍 We support 💙