How to Know If Horan is the Right Independent Agency for You

You've worked hard to build your life, your home, and your business. The last thing you want is to see it all crumble due to an unfortunate event or a gap in your insurance coverage.

Navigating the complex world of insurance can be overwhelming, leaving you worried that you might make uninformed decisions or purchase a policy that doesn't quite fit your unique needs.

That's where Horan comes in. We’re an independent insurance agency in Central New York that has been serving the community since 2009. With our extensive knowledge and experience working with multiple carriers, we have the informed perspective needed to guide you through the process and ensure you have the right coverage for your specific situation.

In this article, we'll explore how to determine if Horan is the best fit for your insurance needs and how our personalized approach can provide you with the composure you deserve.

Understanding Your Insurance Needs

Buying insurance can seem simple at first glance. Getting a quote is easy, and you can often get a policy in minutes. However, the thing you're buying is loaded with pages upon pages of information that ultimately ends up in your inbox or sent to you in a big packet in the mail.

At Horan, we understand the importance of knowing what you have in your policy before you need to use it. There are two key reasons for this: 

1. You can determine if you're missing any coverage you should have based on your particular circumstances.
2. You'll have a better grasp of how things are covered before you experience a loss.

There's nothing more frustrating than having something happen and finding out it's not covered, not because you were told it would be, but because you assumed it would be and didn't know any better. We aim to eliminate that disappointment and ensure you're informed about your coverage.

Tailoring Information to Your Interest Level

We're always willing to inform you about your policy up to the level you wish to be informed. What we avoid is overwhelming you with a one-size-fits-all approach, launching an insurance encyclopedia at you just because we know it.

If you're interested and engaged, we'll go as long as you want, and if we don't have an answer, we'll find out and get back to you. The more interested you are, the more we'll continue the conversation because our desire is to be a resource for guidance and transparency when it comes to insurance.

Who We're a Good Fit For (And Who We're Not)

If you're in need of car insurance, a homeowners or landlord policy, or any line item listed on the service pages of this site, we're likely a good fit for you. That goes for commercial property owners, contractors, and small business owners of varying walks as well.

No matter your specific needs, we're committed to helping you understand your coverage and make informed decisions.

That said, we acknowledge that not everything in insurance is going to be good news. There will be things that simply aren't covered, and while many things can be covered, adding that coverage won't always be cheap.

Our job is to help you understand the risk versus the reward, which boils down to three key factors:

1. Cost: We'll clearly explain how much the coverage will cost, so you can factor it into your budget.
2. Coverage: We'll detail exactly how much coverage you're getting for that cost, so you can assess the value.
3. Probability: We'll discuss the likelihood that you'll experience a loss in that specific category, helping you make an informed decision about whether the coverage is necessary for your unique situation.

Central New York Industries We’re Not a Good Fit For

In terms of who we're the best fit for, the list of industries is too vast for this article. But there are a few industries where we might not be your best bet:

• Businesses with more than 100 employees
• Manufacturing
• Nightclubs
• Trucking

It's not that we can't insure these types of businesses, but we might not have the specific resources and expertise to give you the level of service you need.

Location and Meeting Preferences

If you're outside of New York state, we're probably not a good fit unless your insured property (camp, car, land, business) is located in New York.

Additionally, if you're outside of a 30-40 mile radius of our Baldwinsville office and have a strong preference for regular in-person meetings, we might not be the agency for you.

However, if you're comfortable with virtual meetings via Zoom or Teams, we're more than happy to accommodate you, even if you're located further away. We understand the importance of putting a face to a name, even if it's through a screen.

What Sets Horan Apart

So what makes Horan the right independent insurance agency for you? Several key factors set us apart:

• Insurance knowledge: We're well-equipped with insurance knowledge and are willing to share it to the extent you want it shared with you.
• Modern approach: We're ahead of the curve in terms of technology and offering convenient solutions for our clients.
• Carrier options: We have a wide array of carriers, allowing us to find comprehensive insurance packages at competitive prices.
• Community involvement: Our staff are actively involved in various charitable organizations and community initiatives.

If you're looking for an agency that will take the time to understand your unique needs, keep you informed and engaged in the process, and provide a modern, convenient experience, Horan could be the right fit for you.

Contact us today to learn more about how we can help protect what matters most to you.

Take the First Step Toward Confident Insurance Coverage by Choosing Horan

As you navigate the complex landscape of insurance, having a knowledgeable advocate by your side can make all the difference. At Horan, we strive to be that trusted resource, offering our expertise and guidance to help you make informed decisions about your coverage.

By understanding your unique circumstances and leveraging our relationships with multiple carriers, we can craft personalized insurance solutions that give you the composure and security you need to pursue your dreams with confidence.

When you choose Horan as your independent insurance agency, you gain access to a wealth of knowledge and a commitment to transparency. We'll work tirelessly to ensure you

1. understand your coverage options,
2. the risks you face, and
3. the value you receive for your investment.

With our support, you can rest assured that you have the right protection in place, allowing you to focus on what matters most—living your life to the fullest.

Click the Get a Quote button below to discover how Horan can help you navigate the world of insurance with ease and confidence.