Phone: (866) 744-4720 - For agents (866) 222-2242 - For clients

Rating Questions and Quotes: Ext. 2580

Fax:

General Fax 607-965-2520

Southeast Underwriting Team Fax: 607-965-2219

Email:

Southeast Underwriting Team Email: Southeastunderwriters@nycm.com 

Processing Email: Southeastprocessing@nycm.com 

Dwelling Fire: COMMunderwriters@nycm.com 

Billing Plans

• 1 Payment Plan: No installment fees

• 2 Payment Plan: service fee of $5 per installment.

• 6 Payment Plan: service fee of $5 per installment.

• 12 Payment EFT: No installment fees

• More info on billing plans - Click Here

• Click here to make a payment

Accepted Payment Types

• Visa

• Mastercard

• Disconver

• Amex

• E-check

• Check by mail

Billing Address:

New York Central Mutual

1899 Central Plaza East

Edmeston, NY 13335-1899 

You can conference call with insured to: 800-355-1717 

Roadside Assistance: 866-823-3151

NYCM glass claims: Insured calls directly 1-800-355-1717 even if they want to use a company other than Safelite. If they already replaced, Email window glass bills to safelitereiview@nycm.com w/policy #

Agency Code: NYCM: 01063 

A-Central/NYCM Standard: 11044 

AM Best Rating: A

Auto requirement doesn't apply to HO6s and HO4s, 

As of Monday, 7/14/25, NYCM will not write standalone home in Westchester, Rockland, Bronx, Kings, Queens, New York, Richmond, Nassau, or Suffolk. 

Westchester County

• Ineligible for New Business within a mile of any shoreline.

Suffolk County

• Ineligible for New Business if location is north of Route 25A.

• Ineligible for New Business if location is south of Route 27.

• Ineligible for New Business if location is east of Riverhead.

Nassau County and 5 Boroughs of New York City

• Maximum Coverage A: $1,000,000.

• No new Windstorm Wrap-Around (NYPIUA RC) Endorsement (NYC HO 229) policies.

• Ineligible for New Business within a mile of any shoreline.  --- NYC HO 00 04 and NYC HO 00 06 are eligible in all of Manhattan.

• If location is more than a mile from the south shore and south of Route 27, a flood policy is required and must be sent to the company; otherwise,  the Windstorm Deductible – New York Catastrophe Percentage And Non-Catastrophe Fixed-Dollar (NYC HO 03 20) 3% is mandatory.

NYCM Prudent Pet –

only DOG and CAT no other breed – do not need to be a NYCM client as ANYONE can purchase this product *Prudent Pet is available in every state. However, NYCM agents will only be able to offer Prudent Pet in NY* client in any state can purchase on their own and we receive the commission.

Best feature of the policy:

• Limited Age restrictions (must be 8 weeks and not over 20 years)

• No Breed restriction

• Numerous pets can be listed under one policy with each pet having their own level of coverage – for example: one dog can have wellness coverage and say a cat doesn’t have to have this protection. **10% discount for additional pets listed under the same policy**

Notes:

• No waiting period except for accident that may occur in the first 5 days or illness in the first 14 days of the start (effective) date of the policy

• Only way to cancel is for the insured to request it so a non-renewal or cancellation will never be issued by NYCM

• Claims: reimbursement

• Claims will not affect the premium

• Claims filed by taking a photo and uploading or they can mail or fax to the Prudent Pet location

• 75% of claims are processed within 24 hours so they are quick to return money to the insured (ACH to their bank account for quicker turnaround but insured can also request a check to be mailed)

• Credit score or insurance score does not affect the premium

• Rating factors based on the pet’s care NOT on the owner of the pet:

  • Breed (in some cases, a pure breed will be higher rate than a mixed breed)

  • Age

  • Gender

  • Zip code of where pet lives

• Free 24/7 Live Vet Chat – client can use this service to chat with a vet even after hours so this may save on costly vet bills

• 30-day money back guarantee (if terminated in 1st 30 days full refund – any cancellation after this time period the refund is pro-rated)

Coverage plans available:

• All accidents

• Serious Illnesses

• Common Illnesses

OPTIONAL add on:

• Exam Fees

• Wellness Coverage (vaccines, fecal exams, microchipping, diagnostics, etc.) – can only be added at effective or renewal date (not mid-term)

Essential plan: most popular plan:

• 10K annual limit (max you can receive in a policy term)

• $500 deductible (once deductible is met then reimbursement starts based on % chosen)

• 80% reimbursement (after deductible is met)

Exclusions:

• Pre-existing conditions (medical condition that occurs before the effective date of the coverage) – determined by medical records and they go by 1st vet visit to establish the pet’s health. **they cover everything except for the pre-existing condition or something related to the pre-existing condition**

  • Pre-exiting condition example: allergy shots that the pet may have received in the past and continue to receive (not covered as this is a pre-existing condition)

• Non-Veterinary Services – food, grooming, bathing

How to Sell:

agency can have a custom quoting link on our website or to place on our email signature so the client can go and quote on their own but we still receive commissions  (new commission is 12% / renewals is 10%) - The custom-quoting link is available in your agent portal under the "entity management" tab on the left-hand side

• Agency website – insert link or QR code on our site

• Your email signature – insert link or QR code into our email

• Social media

• Text messages

• Email marketing

• Scannable QR code

RATING factors
*ZIP CODE: first item you input when quoting as this is the main rating factor – the zip code allows them to take the local vet fees into account when rating

• Start date is the next day (if the client uses the agency link – the policy can not be future dated)

• Email address is required for the owner but phone number is optional (if phone number is entered, the internal team will follow up via text or call as a way to help “sell” the product to the client)

• Agents have more options for coverage or plans but if client uses the agency link to quote directly, they will not have the ability to see the various coverage plan options so they will need to revise their quote to see additional plans and cost