Home

Search the Site

images/showcase_image.jpg

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.

Payments

Payments

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.

Insurance

Insurance

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.
Learn More
Dwelling Fire Insurance

Dwelling Fire Insurance

This Program includes flexibility in limiting coverages for Personal Property and for the perils that are insured against.
Learn More
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.
Learn More
Libability Insurance

Liability Insurance

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


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.
Learn More
  • 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.
 
Are You Ready To Be Protected?
Find an Agent
 

Helpful Tips

Did you know there are EIGHT different types of fire extinguishers? And when do you use them?

In order to know when to use each fire extinguisher, you should know the five different types of fires.

ALBANY, NY – State and Federal emergency management professionals encourage individuals and families to be ready in case there is an emergency. Every one should have a plan – know what to do and when to do it during an emergency – and have a ful...
The best way to prepare for a hurricane evacuation is to know your evacuation zone and develop a plan ahead of time. Develop a plan with your household members that outlines what to do, how to find each other, and how to communicate if...