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Products

Dryden Mutual provides a broad range of personal and commercial insurance products to fit the needs of most policy holders. Scroll down to read more about our personal and commercial lines.

All our insurance products are distributed exclusively in New York State through local, licensed independent agents. Our agents are independent contractors who represent many types of insurance companies. They are specially selected and appointed by Dryden Mutual to represent our company in your area. To find an agent in or near your community, please visit our Agent Finder.

Commercial Lines

  • Beauty Parlor Insurance
    Beauty Salons

    Beauty Salons

    We offer coverage for both chair rental operators and salon owners.

  • Small Contractors Liability
    Contractors

    Contractors

    We offer coverage for a variety of contractor operations (for exxample, landscapers, carpenters, electricians).

  • Farm Insurance
    Farmowners

    Farmowners

    We offer coverage for small farm operations including livestock, outbuildings, and farm equipment.

  • Restaurants & Taverns

    Restaurants & Taverns

    We offer coverage for many varieties of restaurant and tavern operations.

  • Market Insurance
    Vendors

    Vendors

    We offer on and off premise coverage for individuals attending farmers markets and craft fairs.

  • Office & Retail Stores

    Office & Retail Stores

    We offer coverage on a variety of small business operations. 

View all of our 

Commercial Lines

Personal Lines

  • Home Owners Insurance
    Homes

    Homes

    We offer coverage on homes under many types of ownership arrangements, including primary homeowners, secondary homeowners, tenant homeowners and manufactured homeowners.

  • Farm Insurance
    Inland Marine

    Inland Marine

    We offer both personal and commercial inland marine coverage including mobile equipment, jewelry, guns, antiques, furs, fine arts, tools, computers, trailers, photo equipment.

  • Rental Property Insurance
    Rentals & Vacant Dwellings

    Rentals & Vacant Dwellings

    We offer coverage for 1-4 family rented and vacant dwellings.

  • Watercraft

    Watercraft

    We offer a program for personal watercraft.

  • Manufactured Homes

    Manufactured Homes

    We offer coverage for owner occupied, tenant occupied, and seasonal manufactured homes.

  • Insurance for Seasonal Homes & Cottages
    Seasonal Dwellings

    Seasonal Dwellings

    We offer coverage for both owner and nonowner-occupied seasonal 1-4 family dwellings.

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Personal Lines