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Insurance Coverage Options – Auto, Home, Business & More in Central NY

Trusted Protection

At CNY Agency, we help you cover what matters most—your family, your home, your business, and your future. As a local independent insurance agency based in Syracuse, we offer flexible insurance solutions for individuals and business owners across Central New York.



Whether you’re insuring your first car, bundling your home and auto, or managing risk for a growing company, we make it easy to get the right coverage—with personal service every step of the way.

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Your One-Stop Shop for Personal & Business Insurance

We work with a wide range of trusted carriers to build coverage that fits your needs and your budget. Explore our core insurance offerings below:

Personal Insurance Coverages:

Auto Insurance
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Protect your vehicle and yourself on the road. We shop multiple carriers for the best rates in Syracuse, Clay, Baldwinsville & beyond.

Homeowners Insurance
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Coverage for your home and everything in it—tailored to New York’s weather and housing market.

Renters Insurance
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Affordable protection for your belongings and liability in any rental or apartment.

Condo Insurance
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Specialized coverage for interior spaces, belongings, and more—whether you live near Onondaga Lake or downtown Syracuse.

Motorcycle Insurance
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Coverage that protects you, your bike, and others—whether cruising the Adirondacks or commuting through Syracuse.

Life Insurance
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Plans to protect your loved ones—offered for adults and children.

Boat & RV Insurance
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Protection for boats, campers, and motorhomes—whether it’s a weekend on Oneida Lake or a cross-country trip.

Personal Umbrella Insurance
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Extra liability protection that goes beyond your home, auto, or boat policy limits.

More About Personal Insurance

Business Insurance Coverages:

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Protection against lawsuits, injuries, and property damage.

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Covers buildings, equipment, and inventory.

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Insurance for company cars, trucks, and fleets.

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Required coverage for employee injuries in NY.

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High-limit, specialty coverage for trucking businesses operating throughout New York.

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Group health, dental, vision & more for businesses offering benefits.

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Tailored coverage for builders, trades, and contractors. Protects against jobsite accidents, property damage, and business interruptions.

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Designed for charities, churches, and organizations. Covers liability, property, and unique risks like board member protection.

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Comprehensive protection for restaurants, cafés, bars, and hotels. Includes liability, property, liquor coverage, and more.

Not sure where to start? Contact us and we’ll walk you through the options that fit your situation.
Let's Find What Fits You!

Serving Central NY With Local Expertise

We’ve built our reputation by serving families and businesses across:

  • Syracuse, Liverpool, and Onondaga County
  • Clay, Baldwinsville, Cicero, Fulton
  • Cortland, Binghamton, and the Southern Tier
  • Watertown and the North Country
  • Rochester and the Finger Lakes
  • Albany, Saratoga, and beyond

Whether you need snowstorm-ready home coverage, help finding a better auto rate, or a full commercial package for your business, we understand the unique risks and needs of living and working in Upstate New York.

Why Clients Choose CNY Agency

01

Independent & unbiased
We’re not tied to one carrier—our job is to find the best fit for you.

02

Experienced advisors
Over 100 years of combined experience, and we answer the phone when you call.

03

Real support
From billing questions to claims follow-up, we’re your advocate every step of the way.

04

One point of contact
Manage all your policies in one place, with people who actually know your name.

Why Clients Choose CNY Agency

Discover the CNY Difference

Frequently Asked Questions – Insurance Coverage in Central NY

  • What types of insurance can I get through CNY Agency?

    We offer auto, home, renters, condo, life, umbrella, motorcycle, boat, RV, and business insurance – all tailored to fit your needs.

  • Can I bundle my home and auto policies for savings?

    Yes. Bundling home and auto can save up to 20%, and we’ll compare carriers to find the best bundle for you.

  • Do you provide free insurance quotes?

    Absolutely. Quotes are free and come with no obligation, whether you’re shopping for personal or business coverage.

  • What areas of New York do you serve?

    We serve Central and Upstate New York, including Syracuse, Liverpool, Rochester, Watertown, Binghamton, Albany, and the Finger Lakes.

  • How do I get started?

    Simply call, email, or fill out our contact form. We’ll review your needs, answer questions, and create a custom insurance plan.

Explore, Compare

& Get Covered

Take a look through our Personal Insurance and Business Insurance sections to learn more—or skip the browsing and request a quote today.


Whether you’re protecting your car, your company, or everything in between, we’re here to help you make confident insurance decisions.

Start My Quote