“We built this agency because we were tired of watching local businesses get treated like a transaction.”— Josh & Jonathan, Co-Founders
We are business owners and real estate investors ourselves. We know what is at stake when coverage has a gap.
We have helped contractors and real estate investors save $10K–$100K+ per year — while getting better coverage than they had before.
“We built this agency because we were tired of watching local businesses get treated like a transaction.”— Josh & Jonathan, Co-Founders
We are business owners and real estate investors ourselves. We know what is at stake when coverage has a gap.
Avg. 10–25% savings/yr
20–40% savings per door vs. individual policies
Avg. 10–20% savings/yr
Avg. 10–20% savings/yr on home and auto
No pressure. No games. We only take on clients we know we can help. If we can't find you better coverage at a lower price, we tell you honestly — and we still re-shop your policy every single year at renewal.
Most of our commercial clients bundle personal lines with us too. One agency, one annual review, everything handled.
Homeowners — Actual Central NY rebuild cost coverage ($150–250/sqft), not just market value.
Personal Auto — NY no-fault state. Mandatory $50K PIP. We shop many admitted NY carriers.
Umbrella — $1–5M extra liability. Essential if you own a business or rental property.
Recreational and Valuables — Boat, RV, ATV, jewelry, collections. NY requirements handled.
Answer 6 questions. We calculate real NY market rates — NYCIRB workers comp rates, NY DFS-approved GL, commercial auto by fleet size. No fluff.
This estimate is AI-generated using limited information you provided and general NY market data. AI can make mistakes. It is for informational purposes only — not a binding quote, coverage commitment, or guarantee of premium. Results may not reflect your actual policy terms, carrier rates, or underwriting factors. A licensed producer review is required before making any insurance decision. Use of this tool does not create an agency relationship.
Calculating your NY market rate estimate...
Estimates based on current NY market rates. Actual premiums depend on claims history, location, coverage selections, and carrier underwriting. Not a binding quote.
Nearly a decade of insurance experience combined with direct real estate investment. Direct answers, strategic solutions. He picks up the phone.
joshua@mytownadvisors.com
Two-time National Achiever at JPMorgan Chase. Construction company founder. Active real estate investor. Built this agency because he lived the problem.
jonathan@mytownadvisors.com
International Business and Finance background with prior agency experience. When you need a COI fast, Luciano is the reason it arrives in hours, not days.
luciano@mytownadvisors.com
Chris brings hands-on experience helping individuals and businesses find coverage that actually fits. Client-first mindset, straightforward communication, and a genuine commitment to getting it right.
christopher@mytownadvisors.com
Zander brings more than insurance knowledge — he comes from the contractor world, where he helped teams hit goals under real pressure. He understands what businesses need to perform, and he's committed to making sure they're protected without overpaying.
zander@mytownadvisors.comWe maintain a 5.0 rating by doing what we say we will do. Read our reviews and see what NY business owners say about working with us.
Read Our Google Reviews →Upload your current declarations page or paste the text. Our AI benchmarks every line against current NY DFS market rates and tells you exactly where you are being overcharged.
This analysis is AI-generated using only the information you provided. AI can make mistakes. It is for informational purposes only — not a coverage determination, binding quote, or professional insurance advice. Results may not reflect your actual policy terms, exclusions, or carrier underwriting. Always review your full policy documents and consult a licensed producer before making any coverage decision. Use of this tool does not create an agency relationship.
Your analysis will appear here. We check your premium against current NY DFS market rates, flag every coverage gap, and show you what you should actually be paying.
Free 15-minute analysis. No obligation. We tell you exactly what you are paying vs. what you should be paying — and what we can do about it.
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