House insurance, Car insurance... always needed. we wasted 4 years by being clients of Coachman Insurance Company... Waste of Time, Energy and Money... I discovered Cayuga Mutual through one of my clients. We are more than happy in joining Cayuga Mutual. Got same premium and policy advantages with ($560 savings/ year just on house insurance). As a realtor, I highly recommend Krista Neil. Best protection and best rate.