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

Ronald C. Ciotoli, Harter/Hill Insurance

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United States
Endwell, NY
Ronald C. Ciotoli, Harter/Hill Insurance

Harter Hill provides auto, home, life, and disability insurance protection for either your personal or commercial. We work for you, not the insurance company.

Ron Ciotoli is an Independent Insurance Agent representing many different companies for your insurance needs. We carefully selected our carriers in order to provide you with the best level of service, price and coverage. As independent insurance agents, you have the ability to choose the best carrier for your insurance needs. That is the main advantage to using an independent insurance agency, we work to satisfy your needs. Our goal is to educate and service the Endwell, New York community and throughout the state of New York. Through our independence, we strive to educate the community on the best options for their insurance needs. We can provide an assessment of your insurance needs with a choice of which package fits you best. We are dedicated to providing our customers in New York with the best coverage at competitive rates. Just make one call to our agency, and we can shop your coverage through many top rated companies. With our professional staff, we can be your liaison with the insurance carrier in the event of a claim.

11/03/2026

November in Upstate NY means one thing: winter isn't far behind. ❄️

Before the freezing temperatures and snow start making themselves comfortable, now's the time to give your home a little attention.

A little preparation now can help prevent some pretty expensive headaches later.

And if it's been a while since you've looked at your homeowners policy, we're always happy to help!

10/09/2026

There's something to be said for actually knowing who you're calling.

No endless automated menus.
No wondering who you'll speak to this time.
No feeling like just another policy number.

Working with a local insurance agency means having real people you can call when you have a question, need to make a change or simply want someone to explain your options.

We're local. We know the area. And we're here when you need us.

That's the Harter Hill difference.

10/05/2026

Insurance terminology doesn't need to sound like another language. 😂

So let's make it simple.

What's a deductible?

It's the amount you're responsible for paying toward a covered loss before your insurance pays the remaining covered amount.

So if you had $5,000 in covered damage and a $1,000 deductible, you would generally be responsible for the first $1,000.

Simple enough, right?

Have an insurance term you've always heard but never really understood? Drop it below and we'll explain it next.

10/02/2026

October in the Southern Tier just hits different. 🍂

The leaves are changing, the sweatshirts are coming back out, football is on, c***r tastes better and suddenly every drive around town is a little prettier.

We want to know, what's your favorite part of October around here?

🍎 Apple c***r
🏈 Football season
🍁 Fall foliage
🎃 Halloween
☕ Cozy weather

Tell us below! 👇

09/30/2026

Be honest… when was the last time you actually cleaned out your glove box?

While you’re digging past the napkins, old receipts, and mystery paperwork, make sure your current insurance card and registration are easy to find.

It’s one of those tiny things you don’t think about until you actually need it.

Consider this your sign to do the 5-minute glove box cleanout today. 🚗

09/25/2026

Quick question 👇

If something unexpected happened tomorrow, what would be the most expensive, or most difficult, for you to replace?

Your vehicle? Electronics? Furniture? Business equipment?

We insure things because replacing them out of pocket can add up very quickly.

Drop your answer below. And while you’re thinking about it, it might be a good time to ask yourself whether you know how those things are currently covered.

09/21/2026

There’s something different about being able to call an insurance agency that understands the community you live and work in.

You’re not just a policy number.

You’re a homeowner down the road. A local business owner. A family protecting what you’ve worked for.

Harter Hill Insurance Agency is proud to provide personal insurance guidance to clients throughout Endwell, Binghamton, Johnson City, Endicott, Norwich and surrounding communities.

Big-company options with the personal service of a local agency, that’s how insurance should feel.

09/18/2026

Having insurance and understanding your insurance are two very different things.

Policies can have different deductibles, limits, exclusions and coverage options, which is why finding out what your policy actually covers after something happens is never ideal.

Ask questions. Review your policies. Know what you’re paying for.

And if the insurance language makes your head spin, let us help make it easier to understand.

09/14/2026

Cooler weather will be here before we know it, which makes September a great time to tackle some of those home-maintenance tasks we tend to put off.

A little preparation now can help you catch small issues before they turn into much bigger ones.

And while you’re checking things off your fall list, add one more:

Review your homeowners insurance.

Not sure what your policy covers? That’s exactly what we’re here for.

09/11/2026

Today, we remember the lives lost, the families forever impacted, and the bravery of the first responders and everyday Americans who stepped forward on September 11, 2001.

We will never forget.

Address

3401 E. Main Street
Endwell, NY
13760

Opening Hours

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

Website

http://ronciotoli.com/

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