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Insurance Blog
Home Insurance | Renters Insurance | General Topics
Does Your Homeowners or Renters Policy Cover Your E-Bike in Central New York?
July 8th, 2026|3 min read
E-Bikes in Central New York: Riding Within the Rules
July 6th, 2026|3 min read
Home Insurance | General Topics
How Do I Insure an Expensive Bicycle in Central New York?
July 3rd, 2026|4 min read
If Your Insurance Company Closes, Are You Still Covered? What New York's Guaranty Fund Means for CNY Policyholders
July 1st, 2026|3 min read
Service Contracts vs. Insurance: What CNY Drivers and Homeowners Should Understand Before Signing
June 24th, 2026|3 min read
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The Duty to Defend in New York Liability Policies: Why It Belongs to the Insurer, Not You
June 22nd, 2026|3 min read
After an Incident, What You Do Before Calling Your Insurer Can Cost You
June 17th, 2026|3 min read
When a Liability Claim Feels Like a Private Matter — and Why That Thinking Backfires in New York
June 15th, 2026|3 min read
Car Insurance | General Topics
Non-Owner Auto Insurance in Central New York: Coverage for Drivers Without a Vehicle
May 20th, 2026|4 min read
Car Insurance | General Topics
After the Total Loss: New York's Salvage and Rebuilt Title Process Explained
May 18th, 2026|5 min read
Car Insurance | General Topics
Comparative Fault Reform in Albany: What the Auto Insurance Debate Means for Central New York Drivers
May 11th, 2026|3 min read
Allegany Insurance Group: The Horan Review
April 29th, 2026|5 min read
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Get in TouchGeneral Topics | Flood Insurance
Neptune Flood Insurance: The Horan Review
April 27th, 2026|6 min read
How to Know If Horan is a Suitable Independent Agency for You
April 24th, 2026|4 min read
Home Insurance | Business Insurance | General Topics
Is Your Landscaper or Deck Builder Insured? Does it Matter in CNY?
March 6th, 2026|3 min read
Business Insurance | General Topics
How to Choose Between Replacement Cost and Actual Cash Value Coverage for Your Central New York Business
January 14th, 2026|4 min read
Replacement Cost vs. Actual Cash Value Coverage: Understanding Commercial Property Insurance Options in Central New York
January 12th, 2026|3 min read
Insurance Claims: Frequency vs. Severity
January 9th, 2026|3 min read
Business Insurance | General Topics
Defense Within Limits vs. Defense Outside Limits: How Legal Defense Costs Affect Your Central New York Business Insurance
January 5th, 2026|3 min read
Business Insurance | General Topics
The Real Cost of Snow Plowing Accidents in Central New York: Why Coverage Gaps Hurt More Than You Think
December 31st, 2025|8 min read