Your Local Insurance Agency of Western New York
Independent Insurance Agency in Ellicottville, NY | Over 30 Years of Experience
For over 30 years, Ellen Fenton has helped individuals, families, and businesses understand their insurance options and make informed decisions about their coverage. Based in Ellicottville, Ellen Fenton & Company Insurance serves clients throughout Western New York and Pennsylvania with independent insurance guidance rooted in personal service and real conversation.
Whether you are reviewing homeowners insurance, auto insurance, business insurance, recreational coverage, or a seasonal property, we start by understanding what you have, what may have changed, and what questions are worth asking.
Insurance can be complicated. Our job is to help make the conversation easier to understand.
Our Insurance Coverage
Homeowners & Renters
These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
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Homeowners
Renters
Secondary Homeowners
Condo's & Townhouses
Vehicles & Toys
Whether you're seeking coverage for your vehicle or your cherished recreational toys, we offer tailored insurance options to suit your needs. With our commitment to personalized service and decades of industry experience, you can trust us to provide the coverage you need and the peace of mind you deserve.
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Automobile
ATV Insurance
Motor Home & RV Insurance
Motorcycle Insurance
Business
From contractors and restaurants to local shops and service businesses, EFC works with Western New York business owners to better understand how their insurance relates to the way their business operates. As equipment, vehicles, employees, property, or services change, it may be worth reviewing whether your current policy still reflects the business you run today.
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Business Owners Package
Commercial Auto Insurance
Commercial Property Insurance
Commercial Umbrella Insurance
Contractor's General Liability
General Liability Insurance
Restaurant & Bar Insurance and much more!
Not sure whether your current insurance still fits?
We can review what you have, talk through what has changed, and help you understand what questions may be worth asking.
Meet the Team
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![Ellen Fenton the owner of EFC insurance Company in Ellicottville, NY.]()
Ellen Fenton
The Owner (CPCU,AU)
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![A smiling middle-aged man with gray hair and a beard, wearing a black shirt with a Western-style bolo tie and a beige blazer, standing in a blurred indoor setting with bright lights.]()
Tom Fenton
Co-Founder/Husband
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![A woman with glasses sitting outdoors, smiling and looking to her left, with a plant and a window in the background.]()
Robin Cimbricz-Rider
VP of Operations (API, AINS, AIS)
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![A woman with shoulder-length brown hair, smiling and wearing a light denim jacket, white top, and layered necklaces, sitting outdoors with blurred background and orange chair.]()
Jessica Wallace
Office Development Manager
Serving our community with integrity.
Insurance things you should know...
Visit us in person at the office!
Insurance Service Across New York & Pennsylvania — Local Office in Ellicottville, NY
Ellen Fenton & Company Insurance serves homeowners, drivers, families, and businesses across New York and Pennsylvania, with a local office at 39 Mill Street in Ellicottville, NY. Our team combines independent insurance options with personal guidance to help clients better understand their coverage and the questions that come with it.
FAQs
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EFC provides a wide range of insurance solutions, including home, auto, renters, business, commercial, and recreational vehicle insurance across New York and Pennsylvania.
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Homeowners and renters insurance protects your belongings from fire, theft, and other unexpected events. It also provides liability coverage in case someone is injured on your property.
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If you need to file a claim, contact us directly, and we’ll guide you through the process to ensure a smooth and quick resolution.
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We provide coverage for businesses of all sizes, including Business Owners Packages (BOP), commercial auto, general liability, contractor’s insurance, and restaurant & bar coverage.
Contact Us
Need to file a claim or get a quote? Fill out your information and someone will be in touch as soon as possible.
Homeowners insurance can become outdated as your home changes. Here are five common questions Western New York homeowners should ask about renovations, finished basements, detached structures, water damage, and changes in property use.