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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 insurance agent explains auto liability coverage limits to a CNY resident.
Car Insurance

Auto Liability Coverage Limits Explained

Many Central New Yorkers purchase insurance policies without a second thought. Because of that, they don’t fully understand some of the policy details involved. One of those details is an auto policy’s liability coverage limits. You can think of coverage limits like a ceiling. Insurance carriers pay out sums no higher than those figures to cover damages you have caused (such as up to $100,000 to another driver who suffers bodily injury during a crash, if that’s your policy limit). If you don’t have enough liability coverage, an auto accident may cost far more than you can afford. That’s why…
A totaled car on the street in Central New York.
Car Insurance

Comprehensive vs. Collision Insurance: What’s the Difference?

Both comprehensive and collision coverage help pay for vehicle repairs and replacement. But the two types of coverage have their differences. Knowing those differences and the essential functions of these policy components will prepare you for unexpected damages to your vehicle. While neither comprehensive nor collision is required in New York (unless you’re financing or leasing a vehicle), the Horan agency strongly advises our clients to lock in these coverages depending on their circumstances. The protection they offer to the average Central New Yorker is worth far more than their respective deductibles. This article will demonstrate how they’ll benefit you…
Abandoned helmet of a bodily injury accident victim in Central New York.
Car Insurance

What is Bodily Injury Coverage?

Bodily injury coverage, while one of the most vital aspects of your auto insurance policy, is one of the least understood. New York State requires you to have bodily injury coverage to register a car for the road. As an insurance specialist, I’ve written this necessary coverage component into the policies of many clients over the years, but I still had to explain how it works. First and foremost, it is the foundation of your auto insurance policy. Not only is it essential to get your car on the road, but it is also the cornerstone of your policy if…

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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