New York Central Mutual Insurance Review (2022)

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

Rachael Brennan

UPDATED: Mar 25, 2022

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Here's the Scoop

  • New York Central Mutual has been in business for more than a century
  • New York Central Mutual products are only available in New York
  • New York Central Mutual has a free online quote tool

Residents of New York know that quality insurance is essential to keeping their homes and cars protected. If you want to work with a reputable and well-established insurance company that can provide you with reliable coverage, the New York Central Mutual Fire Insurance Company might fit your needs.

This local, family-run New York mutual insurance company provides much more than your standard home and auto insurance policies. New York Central Mutual Insurance may seem quaint compared to other major insurance companies, but the odds that you’ll find the coverage you need with the New York Central Mutual Fire Insurance Company are quite good.

Continue reading this New York Central Mutual (NYCM) review, so you can learn more about the company and discover if it can provide you with the coverage you need.

Table of Contents

Who is NYCM Insurance?

NYCM was founded in 1899 by VanNess DeMar Robinson. While this insurance company is over 100 years old, its business model isn’t trapped in the past. Today, this company is led by CEO V. Daniel Robinson, the great-grandson of the company’s founder. The main NYCM office is located at 1899 Central Plaza East, Edmeston, NY 13335.

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What policy management tools does NYCM Insurance offer clients?

NYCM provides a user-friendly website that is chock-full of useful tools to help you find beneficial information and easily manage your policy. For instance, clients who need answers to policy questions or want to make payments online can use tools like these:

  • A live chat line
  • A 24-hour customer service line
  • The ability to reach the company by email
  • An online payment tool

An online account is also provided for clients so you can access a digital version of your policy documents. With unlimited access to your policy documents and 24-hour service, you can receive the assistance you need even if you work during regular business hours.

What insurance products does NYCM offer?

You won’t have to worry about missing out on coverage opportunities when shopping with NYCM. This company is practically a one-stop shop for insurance. Below, you can review all the coverage options available through NYCM:

  • Home insurance
  • Renters insurance
  • Condo insurance
  • Mobile home insurance
  • Umbrella policies
  • Auto insurance
  • Business insurance

The company website only offers an online quote tool for NYCM car insurance policies. However, if you want quotes for any alternative types of insurance that NYCM offers, you can call 800-234-6926 for assistance. You can also conduct an internet search for “NYCM agents near me” to find a local agent who can help you.

Is life insurance available through NYCM?

Life insurance is one of the few items not sold by NYCM. If you need life insurance coverage to protect your loved ones, you can shop online to find the best company for your coverage needs.

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Is NYCM highly rated?

NYCM has earned an A-rating from A.M. Best. This high rating is indicative of NYCM’s financial strength. It’s also a good sign that this company will be able to reimburse you if you suffer from a covered loss. NYCM is also a Better Business Bureau (BBB) accredited company and has an A+ rating from the BBB.

Are NYCM home insurance rates affordable?

Sample insurance rates are available on the NYCM website, but you can use this chart to review the average cost of home insurance in your state:

Average Homeowners Insurance Rates

States Average Annual Home Insurance Rates Average Monthly Home Insurance Rates
Virginia $1,057 $88
New York $1,068 $89
California $1,127 $94
Ohio $1,164 $97
Alaska $1,171 $98
Maryland $1,191 $99
West Virginia $1,192 $99
Indiana $1,195 $100
Connecticut $1,208 $101
South Carolina $1,235 $103
Rhode Island $1,261 $105
Arizona $1,269 $106
Michigan $1,288 $107
Massachusetts $1,323 $110
Iowa $1,371 $114
North Carolina $1,409 $117
Illinois $1,436 $120
Georgia $1,445 $120
Florida $1,637 $136
Alabama $1,668 $139
Tennessee $1,745 $145
Missouri $1,794 $150
Texas $1,846 $154
Mississippi $1,860 $155
Louisiana $1,874 $156
Minnesota $1,877 $156
North Dakota $1,898 $158
Colorado $1,899 $158
Montana $1,957 $163
South Dakota $2,126 $177
New Mexico $2,134 $178
Kentucky $2,174 $181
Arkansas $2,291 $191
Nebraska $3,234 $270
Kansas $3,288 $274
Oklahoma $3,482 $290
Hawaii $383 $32
Vermont $665 $55
Utah $706 $59
Delaware $732 $61
New Hampshire $739 $62
Oregon $756 $63
Pennsylvania $758 $63
New Jersey $793 $66
Nevada $852 $71
Wyoming $870 $73
Washington, D.C. $893 $74
Wisconsin $933 $78
Idaho $934 $78
Maine $951 $79
Washington $964 $80
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Now, it’s in your best interest to request free quotes from at least five different insurance companies, so you can verify that you are receiving the best deal possible.

It’s important to note that NYCM insurance rates may be more expensive, as it is a smaller company. Bearing that in mind, don’t base your buying decision on rates alone. Instead, consider each quote carefully and review which ones offer decent rates and the best coverage and discounts.

How can I buy a policy from NYCM Insurance?

When applying for a NYCM car insurance policy online, you must be prepared to share information like:

  • Your name
  • Your age
  • Your address
  • Your car’s make and model
  • Your driver’s license number

To purchase other NYCM policies, you’ll need to call the NYCM phone number to be connected with a local agent. Homeowners seeking coverage will need to provide not only information about themselves but also detailed descriptions of their homes.

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How much coverage do homeowners need?

The amount of coverage you need to properly protect your home is determined by your home’s replacement cost, so you’ll need to let a NYCM agent know when your home was built, the construction type of your home, and the age of your roof. You will also need to inform your agent about each room’s flooring type and whether or not your home contains any fireplaces.

Is it easy to file a claim with NYCM Insurance?

You can use an online portal to file a glass claim. But for any other kind of loss, you’ll need to call the NYCM claims department phone number (800-234-6926) or contact your local agent for assistance.

What You Need to Know About NYCM Insurance

NYCM Insurance provides New York residents with numerous coverage options, like home, auto, and umbrella insurance. You can only request a car insurance quote via the NYCM website, but you can call a NYCM agent to obtain free quotes for any other types of policies that you’re interested in.

Unfortunately, if you need life insurance or live outside of New York, this family-run insurance company won’t be able to assist you. However, you can shop online to find the best insurance companies for your coverage needs.