With Hometown as Your Insurance Partner. Expect a Timely
Professional Response to Your Every Call.

Hometown Firefighter & EMS Services understands your requirements; our staff includes active members and long-time leaders in the volunteer fire service. Your district doesn't keep 9 to 5 hours, and neither do we - we'll provide you with our personal telephone numbers so that we are available to quickly meet your needs, 24 hours a day, 365 days a year. Our industry-leading products include:

Service Award Programs

Choice of payout options:
Lump Sum
5 yr. / 10 yr.
Monthly for life, etc.
Annual actuarial report for each firefighter
Pays high "guaranteed" interest rates on your funds
Lowest annual service fees
Saves your taxpayers thousands of dollars

8 reasons why Hometown Firefighters Service Award Programs are the right choice

The lowest administration fees available.
A variety of investment options, including NYSAFE (New York Service Award Fund - Exclusive)
Expert advice on handling Post-Entitlement Benefits and the EEOC
Payout options for entitled members
An additional Death Benefit for your firefighter's family
A helpful and efficient staff who have expertise in LOSAP.
Our Plans provide for the retirement benefit to be FULLY FUNDED when a member reaches entitlement age.
An actuary will calculate how much money is needed to pay the entire lifetime benefit so all the money is available at entitlement.

Accident & Health Policies

Supplements the VFBL coverage for firefighters
Accidental death and Line of Duty Death benefits included

Benevolents

Group term policies for Exempt and Benevolent Associations
Hometown also offers expertise in investing your funds

A Benevolent CAN NOT:

Pay funeral expenses unless the financial situation of the family warrants it. An investigation must be done prior to payment to verify financial situation in each case.
Pay the same amount for each death benefit. An amount of need must be determined for each case individually.

A Benevolent CAN

Buy Group Life Insurance (term insurance) for all of its members.

Health Insurance

Policies avaliable for district employees

Group Term for Your Members

Special coverage for firefighters
Line of Duty Death and accidental death coverage
NOTE: State law allows fire districts to purchase $50,000 of insurance for your members with taxpayer funds

Property & Casualty

Written especially for fire districts
Our package policy includes:
Property
Auto
Portable equipment
Liability
Crime
Liquor Liability
Products are enhance to provide a Fire District with the coverage necessary for the work you do

VFBL/Workers Comp

New York State VFBL coverage from all major companies
Workers Compensation policies for District employees and Commissioners

With Hometown as Your Insurance Partner. Expect a Timely Professional Response to Your Every Call.