Insurance Products
Unlike most property and casualty insurers who provide Homeowner’s and Renter’s Insurance simply as an accommodation to their agents, we SPECIALIZE in these coverages. That’s why all of our expertise is devoted to offering policies that are affordable, but also complex enough to cover a majority of the needs of homeowners in the New York marketplace.
Take a look at some of the distinguishing features of our products…

Homeowner Insurance
- Replacement Cost or Actual Cash Value settlement options
- No minimum limits – If you own a small home that generates only a small insurance premium, we will not make you carry more insurance than the replacement cost of the dwelling.
- 3-year policies – Your premium is locked in and guaranteed not to increase for three years, unless you make a change that increases the coverage.
- Stability – same low rates since 1986!
- No additional deductible for Windstorm claims, unlike some carriers that impose deductibles as high as 3% of the building’s insurable value!
- Deductibles as low as $100 available!

Dwelling Fire
Our Dwelling Program includes all of the features available with our Homeowner’s Program. Added features include flexibility in limiting coverages for Personal Property and for perils insured against.
Renter’s Insurance
A recent study revealed that perhaps 75% of apartment renters are either uninsured or underinsured. At Otsego Mutual, we offer up to $50,000 of personal property protection with exceptionally low rates.
Builder’s Risk
Building a home? No need to worry. Get a Builder’s Risk policy with Otsego Mutual. The breadth of coverages is not as wide as with a Homeowner’s Policy, but since you are insuring the property just prior to commencement of construction until completion, you’ll pay just 55% of the finished value premium. We’ll write Builder’s Risk policies for up to one year.
Liability
All of the above coverages are available with different limits of Personal Liability protection.