Insurance built around you.
I'm Ron Ciotoli — an independent insurance agent helping individuals and businesses across New York and Pennsylvania find the right insurance coverage. From auto and home insurance to business, life, and specialty policies, I compare options from 20+ carriers so you get the protection you need at a price that makes sense.
Hi, I'm Ron.
I've spent my career helping families and business owners across the Southern Tier make sense of insurance — and I've built my practice on a simple idea: the right coverage should feel personal, not transactional.
As an independent agent with Harter Hill Insurance Agency, I represent more than twenty top-rated carriers. That means I'm never trying to fit you into one company's box. I shop the market for you, explain the tradeoffs in plain English, and put together a plan that actually matches your life — whether that's your first car, a growing contracting business, or the lake house you finally bought.
I live and work here in Endwell, NY, and I serve clients across Endicott, Vestal, Owego, Ithaca, the Greater Binghamton area, and throughout New York and Pennsylvania. When you call, you get me. When you have a claim, you get me. That's the whole point.
Coverage for your family and everything you love.
From your daily driver to the lake house, I'll build a plan that protects it all — with the flexibility of shopping 20+ carriers.
Auto Insurance
Comprehensive coverage that keeps you moving.
Homeowners
Protect the place you love most.
Boat & Watercraft
On the lake or offshore—you're covered.
Flood Insurance
Coverage standard policies won't touch.
Individual Life
Peace of mind for your family's future.
Disability
Income protection when life pivots.
Long Term Care
Plan ahead with dignity and clarity.
Motorcycle
Ride confidently with tailored coverage.
Personal Umbrella
An extra layer above every policy.
Recreational Vehicle
RVs, campers, ATVs, and more.
Manufactured Home
Specialized coverage for mobile homes.
Landlord
Rental property protection done right.
Built for the way you actually work.
Whether you're running a two-truck contracting outfit or a busy restaurant, I put together commercial programs that protect your operation without overpaying.
The independent advantage.
A captive agent sells one company. I represent the market — so my only allegiance is to you.
One conversation, every option.
I compare programs from 20+ A-rated carriers side by side so you see the real tradeoffs — price, coverage, and service.
A real relationship.
You'll have my direct line. No phone trees, no rotating reps, no scripts. Just quick, straight answers when you need them.
Advocacy at claim time.
When something goes wrong, I'm in your corner — walking you through the process and making sure your carrier does right by you.
"My goal is simple: give you the insurance you need at a price you can afford — and be there when it matters."
Insurance questions, answered.
If you're not sure where to start, you're not alone. Here are the questions I hear most — and what happens next.
Still have questions? I'm happy to talk through your situation.
Call Ron at 607-754-4020Let's build your coverage plan.
Send me a quick note or pick up the phone. I'll get back to you the same day with real options.