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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.
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.
 

Otsego Mutual provides access to resources and other information on this Web site as a public service. Although reasonable efforts have been made to ensure that all electronic information made available is current, complete and accurate, Otsego Mutual does not warrant or represent that this information is current, complete and accurate. All information is subject to change on a regular basis, without notice.

Otsego Mutual assumes no responsibility for any errors in the information provided, nor assumes any liability for any damages incurred as a consequence, directly or indirectly, of the use and application of any of the contents of the web site. Unless otherwise noted on an individual document, file, web page or other Web site item, the Otsego Mutual grants users permission to reproduce and distribute all information available on this website for non-commercial purposes and usage, as long as the contents remain unaltered and as long as it is noted that the contents have been made available by Otsego Mutual.

Any electronic information or inquiries that Otsego Mutual receives from a Web site user shall not be considered as, or treated as, confidential.

The inclusion of, or linking to, other Web site URLs does not imply our endorsement of, nor responsibility for, those Web sites, but has been done as a convenience to our Web site visitors.

Our Privacy Commitment

Otsego Mutual is concerned with the privacy of its policyholders, customers, applicants for policies and claimants. It does collect certain nonpublic personal financial information in the course of providing insurance coverage and in the handling of claims. However, Otsego Mutual does not sell or share personal information with companies for the purpose of marketing their products or services to you.

Kinds of Information Collected

The Company collects nonpublic personal financial information about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, or others
  • Information we receive from consumer reporting agencies

Confidentiality & Security

The Company restricts access to nonpublic personal financial information about you to those employees, agents and independent contractors who need to know that information to provide services to you. We require independent contractors to whom we provide customer information to enter into a confidentiality agreement that restricts the use of the information to purposes necessary to service your policy. The company maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal financial information.

Disclosure Policy

We do not disclose nonpublic personal financial information about policyholders, customers, former customers or consumers to anyone except as authorized by law.

  • Are you a dedicated insurance agent writing business in the state of New York?

  • Do you believe in the mutual insurance concept?

  • Would you like to earn high commissions for placing homeowners and dwelling fire insurance with one of the most financially secure regional companies around?

  • Then you may want to represent Otsego Mutual Fire Insurance Company

Please fill out the form below. A company representative will contact you within a few days.