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Horan Companies is the CNY insurance agency providing a different kind of insurance experience. We take pride in educating you so that you can have a better understanding of your insurance coverage. Have a look through our Education Station, where you’ll find answers to both common and not-so-common questions we’ve received over the years.

Take a look around our site, and hopefully we can earn your trust. If you can’t find an answer to your question (or don’t feel like looking!) give us a call or contact us here, and we’ll make every effort to answer it!

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“Excellent service and great rates. I highly recommend the team from Horan for all your insurance needs. Everyone in the office works extremely hard for your interests. They are available and responsive. You can do no better.”

– Karl Strause

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The Latest Articles
A sledder cutting through deep snow in Central New York.
Personal Insurance

Do I Need Snowmobile Insurance in Central New York?

It’s that time of year again when Canada, our neighbor to the north, sends cold air across the warm surface of the Great Lakes, giving us that heavy lake-effect snow we love to play in. Central New York is almost unrivaled for its nor’easters, snow squalls, whiteouts, and polar vortexes that make for the perfect snowmobiling landscape. For some, this weather creates a longing for life in the Deep South; for others, it’s an ideal playground. If you’re reading this, you’re probably about to join over 100,000 New Yorkers who own a snowmobile registered with the Department of Motor Vehicles.…
Blog Post - Group of People Men and Women Looking Shocked at Mobile Phone
General Topics

Why does my insurance keep going up?

Have you ever thought to yourself or said aloud: “Why does my insurance keep going up?”. If so, you are like millions of others who have wondered the same. Every year, Car, Home, Workers Comp, Health, Umbrella, General Liability, and almost every other type of insurance increases in cost. What’s worse? You have done nothing to cause this. What can you do about it? Annual rate increases are something we’re very used to. In fact, we have been talking to our clients about this situation for years. Insurance carriers prefer we agents not pay so much attention to the price.…
Blog Post - Replacement Cost VS Actual Cash Value
Homeowners Insurance

Replacement Cost vs. Actual Cash Value

Regardless of the type of property you have insured, you either have replacement cost or actual cash value protection. Does that sound like some insurance jargon to you? Well, it is. However, it’s critical jargon that you need to fully understand if you ever have to make a claim on your insurance policy. Home insurance, personal property insurance, and auto insurance are based on replacement or actual cash value coverage. Let’s dig into the definitions and differences between both. Replacement Cost – What it does The best way to describe replacement cost is through a couple of everyday examples. What…

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The agents I have had the pleasure of meeting with Horan are extremely professional, honest people! Everybody in their office that I have dealt with over the years is great!

Karen Cannata LaRoccaNew York