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in Baldwinsville, NY

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
An insured motorhome takes a direct hit from a fallen tree at a Central New York campground.
Personal Insurance

Motorhome Insurance Basics for RV Owners in CNY

If you’re an RV owner in Central New York, you know how much fun and freedom a motorhome can offer. You can explore new places, enjoy nature, and spend quality time with your loved ones. But you also know that owning a motorhome comes with some challenges and risks. You need to protect your investment and your safety from accidents, theft, vandalism, weather damage, and other unforeseen events. That’s why you need motorhome insurance. But not all motorhome insurance policies are created equal. Some may offer more coverage and benefits than others. Some may have hidden fees and exclusions that…
Blog - A Customized Pickup Truck Parked in the Tug Hill Region in Central New York
Car Insurance

Does Auto Insurance Cost More If I Customize My Car?

You love your car. You’ve spent hours and money to customize it to your liking. Maybe you’ve added a new spoiler, a custom paint job, or some flashy rims. You’re proud of your ride, and you want to show it off. But have you thought about how your auto insurance might be affected by your modifications? If you’re not careful, you could end up paying more for your coverage or even risk losing it altogether. That’s why you need to know the facts about auto insurance and car customization. In this article, we’ll explain how insurers view modified cars, what…
CNY auto mechanic checking service diagnostics software for a vehicle repair.
Car Insurance

The Best Deductibles for an Auto Insurance Quote

If you’re looking for an auto insurance quote in Central New York, you might be wondering how to choose the best deductible for your policy. A deductible is the amount of money you have to pay out of pocket before your insurance kicks in. The higher the deductible, the lower the premium. But is that always the best option? Choosing the right deductible can be tricky. You want to save money on your monthly payments, but you also want to be prepared for unexpected accidents. You don’t want to end up paying more than you can afford if something happens…

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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