Janet Lake

With the arrival of May 🌷, the focus often shifts toward home improvement projects 🛠️ and outdoor preparation 🌞🏡. It is the perfect window to assess your home insurance 📄✅ and reflect any recent upgrades 🔨 or changes to your property 🏠. Ensuring your protection keeps pace with your house’s evolving value provides a sense of quiet confidence 😌🔒 as you enjoy the warmer weather—so you can enjoy the warmer weather with confidence. 🌈

Welcome to the Janet Lake State Farm Agency! Serving New York statewide—including Fulton and Central New York—Lake Insurance and Financial Services proudly helps families, individuals, and small businesses protect what matters most. The Lake Insurance team offers auto and homeowners insurance and more, and we review your full picture so your coverage fits your life—not just a checkbox on a form.

What sets our agency apart is simple: we treat insurance as a relationship, not a transaction. My team and I are here to truly understand the people we serve, not just quote a price and move on. We offer virtual, in-office, and in-home meetings, answer calls and texts, and we’re even open on Saturdays because life doesn’t always happen between nine and five.

Local experience and commitment I've been in the industry since February 2002, a path that found me in an unexpected way. I was working in high-end men's retail when September 11th happened, and something shifted for me. I knew I wanted a career that made a real difference in people’s lives—insurance has been that career ever since.

Proudly based in the Fulton area My husband is a Fulton native, and we’re proud to call Phoenix, New York home. When I’m not in the office, you’ll find me in the garden, enjoying music—Prince and Elvis are my all-time favorites—or spending time with family and our animals. We have two rescue dogs, two rescue guinea pigs who double as office pets, and a fish tank that keeps the office feeling like home.

Auto + Home shoppers welcome If you’re looking for a local team that helps you find the right fit, you’re in the right place. Our focus is helping New York customers with auto and homeowners insurance—and guiding the process with clarity and care.

Life insurance in New York (important note) Life insurance availability varies. Call or message Janet Lake for help reviewing options and next steps.

Community-first Giving back to our community is a core part of who we are. Since opening in 2022, we’ve proudly supported organizations across Central New York including the Alzheimer’s Association, Catholic Charities of Oswego County, the Food Bank of Central New York, Friends Forever Animal Rescue, Fulton Lions Club, Fulton Public Library, Junior Achievement, Oswego SPCA, Sleep in Heavenly Peace, The Women’s Opportunity Center, and many more. We’re honored to be neighbors—not just an insurance office.

Ready to connect? If you’re looking for a local team that takes the time to truly know you, we’d love to connect. Call, text, stop by, or schedule a virtual coffee chat—Coffee’s on (seriously). Let’s get your insurance right.