Horan Companies - "The Insurance Place"

Horan Companies - "The Insurance Place" Your local choice for auto insurance, business insurance, and homeowners insurance in NY! You, your That's a different conversation!

We represent a carefully selected group of financially strong & reputable insurance companies. Therefore, we can offer you the best coverage at the most competitive price. There is so much more to say, a car insurance policy, than just the price. We educate our clients on what the numbers that make up that price mean. We use real life scenarios to showcase how their coverage would impact them (bot

h positively and negatively) should they ever need to use it. You shouldn't have to be an expert on insurance in order to feel informed about what it is you're purchasing. We take our knowledge and share the best parts of it with you. If it’s home or renter’s insurance you're in need of - all of the same applies. However, unlike a car insurance policy, there are not "State Minimum" coverage requirements. We'll have a detailed conversation with you about the make-up of your property. Size, style, amenities, age, and condition will all play a part in finding the best policy. There probably isn't a need for you to have underground service line protection if you own a condo, but what about a 100-year-old 2-story house whose sewer line from the house to the street has never been updated? Business insurance is the most complicated of all policies. Someone who owns an auto repair shop will need a much different policy than a restaurant owner. An owner of an AirBnB business out of her home versus a landscaper, will require policies unique to their exposure to loss. Our job is to learn about your business and find out which carrier makes the most sense. In the event of a claim, it's important that we're (you and us) both confident that you'll be covered because the correct policy was put in place from the start. That's a little about us, but now tell us about you!

🍽️🍷 Serving alcohol at your restaurant? One lawsuit could sink your business:https://horaninsured.com/blog/restaurant-in...
06/16/2026

🍽️🍷 Serving alcohol at your restaurant? One lawsuit could sink your business:

https://horaninsured.com/blog/restaurant-insurance-why-liquor-liability-is-essential

If a customer drinks at your restaurant and causes harm, you could be held liable—even if they leave your establishment first. Liquor liability insurance protects you from the financial fallout of overserving, underage drinking, fights, and even property damage caused by intoxicated patrons.

At Horan Insurance Agency, we help Central NY restaurant owners navigate liquor liability coverage to stay protected and compliant. Don’t let one bad night ruin your business. ☝️ Learn how to safeguard your restaurant in the link above!

When it comes to restaurant insurance, liquor liability is a crucial aspect that cannot be overlooked. This article explores the importance of liquor liability coverage, best practices for obtaining it, and the potential risk exposures that restaurants may face.

When a Liability Claim Feels Like a Private Matter — and Why That Thinking Backfires in New York
06/15/2026

When a Liability Claim Feels Like a Private Matter — and Why That Thinking Backfires in New York

Settling a liability claim without your insurer in New York can void your coverage. Here's what policyholders need to know before paying anything.

Shopping for auto insurance after a coverage gap can feel daunting. Will your rates skyrocket? Can you even find coverag...
06/12/2026

Shopping for auto insurance after a coverage gap can feel daunting. Will your rates skyrocket? Can you even find coverage? Without understanding how carriers view gaps, you could end up overpaying.

https://horaninsured.com/blog/will-being-uninsured-lead-to-higher-car-insurance-costs

In the link above, we break down:
🚗 How coverage gaps impact your rates
🛑 Exceptions carriers might consider (e.g., public transportation or company cars)
💡 Steps to rebuild your insurance history and find affordable coverage

At Horan Insurance, we’ve helped Central New York drivers navigate these challenges. Let us help you find the right policy—without breaking the bank.

A coverage gap in your car insurance history often leads to higher rates. Find out how gaps affect your costs and what exceptions carriers might consider.

06/11/2026

We take pride in providing not just insurance but a seamless and personalized experience for our customers. Our dedicated team members exemplify the professionalism, warmth, and attention to detail that sets us apart. 🤝💙

Ready to experience the Horan advantage for yourself? Give us a call at (315) 635-2095 to learn more about our tailored insurance solutions. Your satisfaction is our priority! 🌐🔒

Driving for DoorDash or Instacart in CNY? The Insurance Gap New York Law Leaves Open
06/10/2026

Driving for DoorDash or Instacart in CNY? The Insurance Gap New York Law Leaves Open

New York's rideshare law doesn't cover DoorDash, Instacart, Grubhub, or Amazon Flex. Here's where the coverage gap sits for CNY delivery drivers.

Don’t Wait Until Disaster Strikes—Document Your Belongings TodayAfter a major loss, trying to recall everything you owne...
06/09/2026

Don’t Wait Until Disaster Strikes—Document Your Belongings Today

After a major loss, trying to recall everything you owned can feel overwhelming. Many Central New York property owners delay creating an inventory, thinking it requires cataloging every single item. But it doesn’t have to be complicated!

https://horaninsured.com/blog/a-guide-to-documenting-your-home-and-business-inventory-in-central-new-york

In the article above, we share:
📋 A simple method for documenting your belongings
📹 How a quick video tour can make all the difference
💡 When additional documentation is helpful for valuable items

At Horan Insurance, we’re here to help you stay prepared. Discover how to create an easy, stress-free inventory that could save you time and hassle during a claim.

A practical guide to documenting home and business property in Central New York. See what insurance carriers typically look for and get simple video documentation tips.

Two Causes, One Loss: Why the Wording of Your Policy Matters
06/08/2026

Two Causes, One Loss: Why the Wording of Your Policy Matters

When wind and flood hit at once, the wording of your Central New York policy matters. See how concurrent causation can shape your claim outcome.

When shopping for new business insurance, carriers will ask for your loss run reports—detailed records of your claims hi...
06/05/2026

When shopping for new business insurance, carriers will ask for your loss run reports—detailed records of your claims history. Without these, you can’t get quotes, which can delay securing coverage.

https://horaninsured.com/blog/why-central-new-york-businesses-need-loss-runs

In the link above, we break down:
✅ What loss runs are and why carriers need them
✅ How to request these reports from your current insurer
✅ How a clean loss history can lead to better rates and options

At Horan Insurance Agency, we’re here to help Central New York businesses navigate the process with ease. Don’t let paperwork hold up your coverage decisions—learn how to streamline the process today.

Get clear insights on loss runs, their importance for business insurance, and why carriers require these claims history reports before offering coverage.

06/04/2026

We prioritize understanding your needs to provide tailored insurance solutions. 🤝 Reach out at 315-635-2095 or visit us at horaninsured.com for a personalized approach to ensure your peace of mind.

Smart Questions to Ask Before Signing for Add-Ons at the Dealer Finance Office
06/03/2026

Smart Questions to Ask Before Signing for Add-Ons at the Dealer Finance Office

Heading to the dealer finance office in Central New York? Here are the questions to ask before signing for add-ons like gap coverage and warranties.

Address

63 E. Genesee Street Suite B
Baldwinsville, NY
13027

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+13156352095

Website

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