Insurance agencies · New York

Insurance Agencies in Ellicottville, NY

Local agencies in Ellicottville for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Ellicottville

Ellicottville has 348 residents in 163 households. We list 1 insurance agencies in Ellicottville. Here is what the local numbers say about the cover people here need.

Ellicottville at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Cattaraugus County

FEMA rates the overall natural hazard risk in Cattaraugus County, where most Ellicottville agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in New YorkHow much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Questions

Insurance agencies in Ellicottville

How do I find an insurance agency in Ellicottville?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Ellicottville?

FEMA's National Risk Index rates inland flooding risk in Cattaraugus County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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