Personal Lines Insurance Programs & Services

Cool Insuring is an independent insurance agency that offers a full range of personal lines insurance coverage for all your individual needs in addition to comprehensive business insurance coverage. Our Personal Lines Insurance Department offers professional and personalized services at your convenience.

Call us at (800) 233-0115 or contact us for more information.

We represent a multitude of excellent, financially sound insurance carriers offering the following coverages:

  • Automobile – All types of personal automobile insurance, including snowmobiles, motorcycles, RV’s, etc. We even have special programs for problem drivers offering rates lower than the Assigned Risk Pool.
  • Homeowners Insurance – Including primary residences, secondary and seasonal homes, apartments, condominiums, and cooperatives.
  • Personal Umbrellas – We offer liability limits over and above your primary general, automobile or watercraft liability policies in order to properly protect your personal assets.
  • Watercraft – Insurance coverage is available for all types of watercraft from canoes and rowboats, to motor boats, sailboats and yachts. We also have special programs for jet-skis and other types of recreational watercraft.

Personal Package Programs can be designed to meet the individual needs of you and your family. Package your insurance and save!

Personal Lines Insurance Protection for Your:

  • Automobile
  • Home – Apartment – Condominium
  • Secondary/Seasonal Home
  • Mobile Home
  • Boat/Yacht
  • Jewelry/Fine Arts/Collections/Firearms
  • Umbrella/Excess Liability
  • Flood Insurance

Discounts! – New Home, Alarms, Non-smoker, Air Bags, Antilock Brakes, Daytime Driving Lights, Loss Free, Multi-Policy

As an independent insurance agency, Cool Insuring offers coverage available in most U.S. States!


  • Encompass Insurance – Chicago, IL
  • Chubb Group – Warren, NJ
  • Hanover Insurance Group – Worcester, MA
  • Hartford Insurance Group – Hartford, CT
  • New York Central Mutual – Edmeston, NY
  • A. Central Insurance – Edmeston, NY
  • Travelers Property Casualty – Hartford, CT
  • Security Mutual – Ithaca, NY
  • Progressive – Mayfield Village, OH
  • Foremost – Grand Rapids, MI
  • Vermont Mutual Insurance – Canastota, NY
  • USLI Group – Wayne, PA
  • Plus Specialty Markets for Special Risks!

Our Personal Lines Insurance agents can review your exposures with you and shop our many markets for broad coverage at a competitive cost!

  • Know your risks!
  • Know your choices!
  • Know your coverage!
  • Know your insurance advisor!

Trust your personal lines insurance needs to the experts at Cool Insuring, an independent insurance agency with a history of serving the community.