“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.
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. This is not a binding quote, a coverage recommendation, or a guarantee of insurability. Results are for informational purposes only for prospective clients. My Town Advisors LLC · NY DFS License No. 1865210 · Full Disclaimer
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.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 tool is intended for prospective clients only. Results are for informational purposes only and do not constitute a coverage recommendation or binding quote. Your information is never stored or shared.
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.
Follow us for tips most agents won't share.
We post practical insurance tips for NY contractors and investors every week — no fluff, no selling, just information that saves you money.