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Welcome to Otsego Mutual. We have developed a reputation for providing stable, dependable service through our many professional independent agents.

About Us

About Us

A.M. Best's Review highlighted Otsego as one of only 15 casualty insurance companies to be listed at A+ for 50 consecutive years.



Use our Secure Portal to pay with any major credit card or check, set up a Monthly EFT Payment Plan or set up a Third Party Designee.



We specialize in Homeowner’s and Renter’s Insurance, with affordable coverage that covers a majority of homeowners' needs.

Otsego Mutual's Homeowner's Insurance

Homeowner's Insurance

A majority of homeowners insure their structures for Replacement Cost. We offer this coverage, as well as replacement cost coverage on contents.
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Dwelling Fire Insurance

Dwelling Fire Insurance

This Program includes flexibility in limiting coverages for Personal Property and for the perils that are insured against.
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Renter's Insurance

Renter’s Insurance

At Otsego Mutual, we offer up to $50,000 of personal property protection with exceptionally low and quality rates.
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Libability Insurance

Liability Insurance

With different types of Personal Liability protection and customizable limits, get a custom-made product that fits your needs.
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What We Do

For more than 100 years, Otsego Mutual has provided affordable protection for our insured’s most valuable asset – their home.

Unlike most property and casualty insurers who provide Homeowner’s and Renter’s Insurance simply as an accommodation to their agents, we SPECIALIZE in these coverages. That’s why all of our expertise is devoted to offering policies that are affordable, but also complex enough to cover a majority of the needs of homeowners in the New York marketplace.
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  • 1
    Learn about our InsuranceThe success of mutual insurance companies has always been grounded in careful selection of risks and extraordinary loss prevention, even if this prevented growth in premium writings.

  • 2
    Find an AgentOtsego Mutual has over 100 agents throughout New York State providing insurance for Homeowners, Fire, Renters, Liablity and more.

  • 3
    File a ClaimOur trained staff of agents, employees and independent adjusters work seamlessly to review and document your claim, make recommendations and eventual settlement.
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Helpful Tips

Otsego Mutual is pleased to offer an alternative to home warranty plans. Equipment Breakdown coverage is now available through your Homeowners Insurance Policy. Whether you are a renter or a high-value homeowner, we have your equipment breakdown expo...
Every so often, we receive questions regarding inspections on your home. These inspections allow us to notify you if we notice any issues that could be potentially harmful to you, your friends, family, or anyone visiting your home. We asked our Direc...
Rising material costs make replacing and rebuilding homes more expensive. Our #1 priority is being able to help our insureds when a loss occurs. Therefore, to ensure we can cover your home and belongings if there is a loss, we most be aware of these ...