Otsego Mutual is pleased to offer an alternative to home warranty plans. Equipment Breakdown coverage is now available through your Homeowners Insurance Policy. Whether you are a renter or a high-value homeowner, we have your equipment breakdown exposures covered. It’s a simple add-on coverage that fi­lls the gaps in your homeowners insurance policy.

Every so often, we receive questions regarding inspections on your home. These inspections allow us to notify you if we notice any issues that could be potentially harmful to you, your friends, family, or anyone visiting your home.

We asked our Director of Underwriting, Connor Cough, to answer some frequently asked questions:

Rising material costs make replacing and rebuilding homes more expensive. Our #1 priority is being able to help our insureds when a loss occurs. Therefore, to ensure we can cover your home and belongings if there is a loss, we most be aware of these changes.

Did you know there are EIGHT different types of fire extinguishers? And when do you use them?

In order to know when to use each fire extinguisher, you should know the five different types of fires.

ALBANY, NY – State and Federal emergency management professionals encourage individuals and families to be ready in case there is an emergency. Every one should have a plan – know what to do and when to do it during an emergency – and have a fully-equipped emergency supply kit packed and ready-to-go.