Since we're not licensed to sell insurance, we work with independent agents throughout New York State who represent our company and can work with you to discuss your insurance needs and provide you a quote.

Use the "Find an Agent" feature by entering a New York State ZIP code. The contact information for the nearest agent(s) to you will be provided.

Absolutely! If for any reason you need to change your agent, please feel free to use the "Find an Agent" feature to find another local independent agent near you.

We are only licensed to write insurance throughout New York State, excepting the (5) boroughs of New York City and Long Island.

If you would like to make changes to your policy, please contact your local independent agent for assistance. Examples of changes may include:

• Adding/removing coverage(s)
• Increasing/decreasing coverage limits
• Changing your billing address
• Adding/removing a mortgagee

If your policy has been canceled, please contact your local independent agent for assistance.

If you need to cancel your policy, please contact your local independent agent for assistance.

When you first receive your new policy in the mail, the policy package will include any forms that apply to your policy describing what your policy covers. In addition, your policy declarations pages will provide a summary of your coverage. If you have any questions at all about what coverage(s) your policy has or how coverage applies to your policy, please contact your local independent agent.

There are a variety of ways you can make a payment on your policy, including:

• Online via our Policyholder Account Portal (credit/debit card or eCheck)
• By mail (checks only)
• Via telephone (credit/debit card only)

We strongly recommend the use of a credit/debit card rather than using your bank account information. Should your credit/debit card decline for any reason, you will receive an error immediately and the transaction will not be processed. However, it can take 5-7 days for an eCheck to be returned after being processed and a returned check fee will be incurred.

There are multiple ways you may file a claim:

• Call us at (800) 724-1648
• Contact your local independent agent

After we have received notice of your claim, you will receive a call from a Wayne Cooperative claims adjuster within 24 hours. It'll often be much quicker than that!

Not a problem! We provide Emergency Claims Service and have a Wayne Cooperative adjuster on-call 24/7, 365 days a year. If you have an emergency, we're always here for you. Simply call us at (800) 724-1648.