Curran Cooney Penny Insurance

Insurance professionals at your service with over three decades of experience insuring your most important assets.

Experience the difference an independent agent makes today.

516-484-5200

Curran Cooney Penney Insurance Agency

A real person answers the phone with real answers to your real questions.


Insurance professionals at your service with over 3 decades of experience insuring your most important assets. Experience the difference a personal agent makes today.

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Anindya Basu
10 July 2026
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Michael at CCP helped my Brooklyn condo board navigate some tricky insurance issues. We are super grateful for his deep expertise and industry relationships! Truly a please to work with. I highly recommend CCP for any personal or commercial needs, they have an old school human touch that is so hard to find these days!
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DonnaM Feinberg
23 June 2026
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I have been working with Christine Lutz at this agency for over 20 years. She has been consistently on the mark with respect to marketing my insurance policies for my homes, my cars, my apartments and other issues. Additionally, Christine is a pleasure to work with. She’s responsive to my questions and follows through with a friendly and professional demeanor. All of my friends and family who I have referred to Christine are appreciative and thankful that they have someone who cares about their issues. Bravo Christine !
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Max Wilco
21 May 2026
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I've worked with CCP on a few types of insurance and have always had a good experience. They are communicative, honest, low pressure, and ultimately end up providing solid quotes. From what I can tell, they have a good network in the insurance field, which is critical in insurance shopping. I'd like to give a special thanks to Joseph F and Mike W who are always generous with their time and expertise.
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nancy corn
16 May 2026
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As anyone buying Insurance, you receive a policy, put it in a file cabinet and forget about it. You never know how good or bad it is until you actually need it. As a customer for 35 years with the Curran Cooney Penny Agency, we have found them to be looking out for our interests whenever we had an Insurance issue. The experience and knowledge of what and what not to expect is like talking to Family. Mike, Patti, Tom and Chris have been our experts for our Commercial, Residential and Auto needs. We can not recommend them highly enough. Jay and Nancy Corn
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Thomas Mcmichael
27 April 2026
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Always great been using for over 20 years best service hands down
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Robert Wilson profile picture
Robert Wilson
19 April 2026
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I've worked with Curran Cooney Penny Agency for over 15 years. They consistently go the extra mile — researching better quotes and finding the best coverage options, especially when insurers inevitably raise rates at renewal. Highly recommend.
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Mark Grossman
6 February 2026
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I had a long, thoughtful conversation with Mike about a complicated situation, and he stayed on the phone with me far longer than he had to. He didn’t rush me, didn’t push a product, and was genuinely focused on understanding what I do and whether it made sense from an insurance and risk standpoint. It’s rare to find an agency that actually listens and thinks things through instead of defaulting to cookie-cutter answers. Mike was professional, candid, and clearly knows the claims side as well as the insurance side. Highly recommend if you want real guidance instead of a quick quote. — M. Grossman
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Marion Fine profile picture
Marion Fine
15 January 2026
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This agency has been handling my insurance needs for over 8 years. They always shopped for the best coverage and the best prices for me. I cannot say enough about how helpful and caring they are. Recently, I was involved in an auto accident at which i was rear ended by 2 vehicles. The situation became rather complicated because of the multiple vehicles. Lots of paperwork involved. Tom Wittkowski was extremely patient and helpful as we navigated the process. In my opinion, this was white glove service and it went above and beyond. I recommend this Curran Cooney Penny Agency without hesitation.
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Roslyn Tutoring and Test Prep
20 December 2025
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I recently switched to this insurance brokerage and I could not be more satisfied with their thoroughness and reliability. After realizing that my prior insurance policy with a previous broker was not a good fit for my business, I asked Mike and Joe to look into a new policy. They asked me the details of the company operations etc and they took the time to educate me on the ins and outs of my new policy. My family has since shopped for other policies for other businesses with them and they have been equally as pleased. Having a local agent who cares about protecting you from the worst case scenarios is very important. I highly recommend this team!
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Arie Forgacs
13 October 2025
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After 27 years and four accounts Chris Lutz has been my go to person and has always done right by me. She exemplifies what it means to lead with service. She and the rest of the team always go out of their way to assist clients . The team exemplifies what it means to be client oriented.

Our Products

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Homeowners Insurance

Protect your most important asset with the right policy

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Auto Insurance

Cartoon mascots won’t save you money, but our personal insurance experts will.

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Business Insurance

Our commercial insurance experts help you pick the right policies for your company

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Property Insurance

Well-managed properties with favorable loss histories are eligible for excellent rates

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Group Medical Insurance

We’ll help you manage your costs and explain how health insurance laws affect you.

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Group Benefits

Save money on every kind of employee benefit with our group benefits specialists.
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Medicare

Learn more about the benefits of a Medicare Supplement plan

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Umbrella Insurance

A personal umbrella policy will provide excess liability coverage once your home and auto insurance limits are reached

Contact Info

Phone: 516-484-5200
Text: 516-387-5220
Fax: 516-484-2129

* Se habla español! *

11 Powerhouse Rd.
Roslyn Heights, NY 11577

Come Visit Us

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Michael and Patti Wittkowski

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Paul Carbone

Meet The Agency Principals

Our Team
We are a trusted family-owned agency, dedicated to serving our community. With over 30 years of experience in the competitive NY insurance market, we have earned a reputation for excellence and personalized service. Our team of experts is here to guide you through the complex world of insurance, ensuring you find the coverage that best suits your needs.
We Work For You

Why Choose An Independent Insurance Agent?

If you’ve never had an agent manage your insurance policies, you may be wondering why you need one.

Having an independent insurance agent like Curran Cooney Penny only benefits you, so you’ll miss out on a lot of great advantages by not having one.

Choice

With an independent agent, you have a choice of carriers to buy a policy from. A good agent will represent many of the best, most-financially secure insurance companies.

If you’re not happy with your policy or the renewal premium is too high, your agent can shop for the best policy in the market.

Savings

An independent agent represents a variety of carriers, so they can shop around for the best price on a policy.

A good agent knows which coverages you’ll need for your family or business so you don’t pay more than you have to

Service

Your agent knows your insurance needs inside and out. They can find you opportunities to save money and manage your risk better.

Best of all, when you need to make a claim, your agent is there to help you.

Custom

Your independent insurance agent works for you, not the insurance carrier.

Your insurance program is a blank slate, and your agent mixes and matches the policies to manage all your risks, from your home to your car, and your employees to your business.

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About Curran Cooney Penny

We are a family owned and operated agency with more than 30 years of experience in the NY insurance market.

Read more about our agency principals

FAQ

Frequently Asked Questions

What is the purpose of Umbrella Insurance?

An Umbrella policy provides $1,000,000 or more extra liability over existing policies such as home, auto, boat, and business policies.

An Umbrella provides coverage for injuries and property damage to others. Certain underlying coverage limits are needed to get an Umbrella.

Should I increase coverage limits on the theft of jewelry, watches and furs?

Homeowner Insurance policies only come with a very low coverage limit for theft of jewelry, watches, and furs. This limit can be increased, or you can schedule specific jewelry, art and collectibles for better protection.

What are the issues with insuring Kia and Hyundai Cars

Many insurance companies will not insure certain year and model of Kia and Hyundai because of the increase of theft losses for these vehicles.

These vehicles are not equipped with an engine immobilizer anti-theft device which make them easy to steal.

What is Replacement Cost on Contents coverage?

Replacement Cost on Contents provides replacement cost at today’s value without depreciation for wear and tear.

How can I lower my Auto Insurance?

The easiest way to reduce your auto premium is by taking a defensive driving course every 3 years. Paying in full or going on auto pay can also help. Good credit, having a clean driving record, low mileage, multi-policy, and continuous coverage can also help. The vehicle you drive and where you live plays a large role in the cost of your insurance.

What Is The importance of Life Insurance?

Life insurance provides loved ones financial security in the event of a death. It helps cover things like funeral, medical bills, debts, daily living expenses, mortgage and college payments. The best time to buy Life Insurance is while you are young and healthy. It’s important to buy it when you have a child and/or you purchase a home. There are different types of policies such as Term and Whole Life.

What do I do if I get into a car accident?

Stop and move to a safe location, as necessary. Call 911 if someone needs medical help. Take a picture of the other vehicle’s license plate and damage as well as the accident scene. Exchange insurance cards, driver’s licenses and phone #’s. Write down the name and phone # of any witnesses. Contact your insurance agent.

If someone else was driving my car and got into an accident, am I covered?

Yes, in New York, an auto policy follows the car, not the driver so as long as the driver has permission to drive the vehicle, you and the car are covered.

Water Back-up of Sewers & Drains Coverage

Water Back-up covers damage to your property caused by a clogged sewer line, failed sump pump and backed-up drains. This coverage needs to be added to your Homeowners policy by endorsement.

Water back-up coverage does not extend to surface water flooding your basement. For this, you would need a separate flood insurance policy.

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