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Trusted Property & Casualty Insurance Solutions in New York
Security Mutual Insurance has been dedicated to providing quality insurance products and exceptional customer service since 1887. With a network of over 400 independent agents across New York State, we specialize in Property and Casualty Insurance for both personal and commercial clients. Our long-standing commitment to flexibility, integrity, and professionalism ensures tailored solutions that meet the evolving needs of our policyholders.Backed by over $154 million in assets and a history of financial stability, we pride ourselves on delivering personalized service while actively supporting local communities through charitable initiatives. Our team combines decades of industry expertise with a client-centric approach to safeguard what matters most to our customers.
Services
Property Insurance
Casualty Insurance
Personal Umbrella Policies
Landlord Packages
Customized Coverage
Highlights and features
- We have over 135 years of experience in New York insurance markets.
- Our network includes 400+ independent agents for localized expertise.
- We provide customized coverage for hard-to-place personal and commercial accounts.
- We maintain $91 million in policyholder surplus for financial stability.
- Our community involvement includes donations to 150+ volunteer fire departments.
What people say
Professional and courteous
Saved me money
There for you
Affordable rates
Insured difficult properties
Services
Property Insurance
Security Mutual Insurance offers comprehensive Property Insurance programs for owner-occupied homes and commercial properties. Our policies protect against risks like fire, theft, and natural disasters while providing customizable options for unique needs. With specialized programs like ULTRA Homeowners and Manufactured Mobile Homeowners coverage, we ensure tailored protection for residential properties across New York State.
Casualty Insurance
Our Casualty Insurance solutions provide liability coverage for personal and business assets. From Personal Umbrella Policies offering additional protection to Commercial Liability programs covering business operations, we address diverse risk scenarios. The Artisan Pak Program specifically caters to contractors' liability needs while maintaining flexibility for customized risk management solutions.
Personal Umbrella Policies
Security Mutual's Personal Umbrella Policies provide additional liability coverage beyond standard policy limits. Designed to protect assets in lawsuit-prone environments like New York State, these policies activate when primary coverage limits are exhausted. This enhanced protection ensures financial security for policyholders facing extraordinary liability claims while maintaining affordability and accessibility.
Landlord Packages
Our Landlord Package insurance covers tenant-occupied properties with up to four living units. This specialized program addresses unique risks associated with rental properties, including property damage and liability concerns. Tailored for New York's housing market, it provides comprehensive protection for landlords while maintaining flexibility for different property types and tenant arrangements.
Customized Coverage
Security Mutual offers customized insurance solutions for complex risk scenarios that don't fit standard parameters. Our underwriting team works directly with policyholders and agents to create tailored programs for both personal and commercial accounts. This approach ensures coverage for unique properties and business operations that might otherwise struggle to find insurance in traditional markets.
Questions
What types of insurance does Security Mutual offer?
We provide Property and Casualty Insurance for personal and commercial clients, including Homeowners, Landlord Packages, Business Owners Policies, and customized solutions for unique risk scenarios.
What is a Personal Umbrella Policy?
Our Personal Umbrella Policy provides additional liability coverage beyond standard policy limits, offering enhanced protection for personal assets in high-risk situations.
Do you cover tenant-occupied properties?
Yes, our Landlord Package provides coverage for homes with up to four living units that are tenant-occupied, addressing specific risks associated with rental properties.
Can you insure hard-to-place accounts?
Yes, we specialize in customized coverage solutions for difficult-to-place personal and commercial accounts through our underwriting department's direct involvement.
How do I file a claim?
Policyholders can easily report claims online through our website or contact their local independent agent for assistance with the claims process.
What community initiatives do you support?
We actively support local communities through donations to over 150 volunteer fire departments and partnerships with organizations like Habitat for Humanity and the American Red Cross.
