Coverage for life on
the water, in Chautauqua.
Jake Krezmien is a local GEICO agent just up I-90 from the New York line. He grew up on the same lake, hunts the same woods, and drives the same lake-effect roads you do — so when he writes your policy, he already knows the ground it has to cover. Auto, home, boat, and everything you haul to camp.
Sixteen years in.
Six of them right here.
Jake has spent sixteen yearsin the insurance business, and the last six building his own GEICO office from the ground up on the Lake Erie shore. That's the whole idea behind a local agent: the person who quotes you is the person who picks up when something goes wrong — and he's not going anywhere.
In six years the office has dug real roots— supporting veterans through community events, and backing youth and high-school sports across the area. It's the same instinct that makes him a good agent: show up, know your neighbors, and stick around long after the paperwork's signed.
When he's not at the office he's out on the water fishing, in the woods hunting, or up a trail hiking — which, around here, is exactly how most of his clients spend their weekends too. He knows what people insure because he owns the same boats, trucks, and gear.
The domain says car insurance.
The office covers a lot more.
Car insurance is what people search for — so that's the name over the door. But Jake writes every personal line GEICO offers, and out here each one earns its place on the lake, in the woods, or on the road home.
Auto
I-90 and old Route 5 carry most of this shore, and the lake makes its own weather — the snow squalls that come off Lake Erie turn a clear afternoon into a whiteout by the Ripley line. A policy built for snowbelt miles, not a national average.
Home
From the century homes in Jamestown and Dunkirk to newer builds up the ridge, Chautauqua County houses take a real winter — lake-effect snow loads, ice, the freeze-thaw that finds every gap. Homeowners coverage that expects the season it actually gets.
Renters
SUNY Fredonia and Jamestown Community College fill apartments across Fredonia, Dunkirk, and Jamestown. A landlord's policy covers the building; a renters policy covers everything you carried in — usually for less than a month of firewood.
Boat & Watercraft
Chautauqua Lake and the harbors at Barcelona and Dunkirk keep half the county on the water all summer. A boat that trailers home in November and launches in June needs a policy written for both halves of the year — the kind Jake keeps on his own.
Motorcycle & ATV
The lake road on Route 5 and the ridge runs through the Southern Tier are some of the best riding in the Northeast, and just about every hunting camp out here has a four-wheeler parked behind it. Seasonal machines covered for how — and when — they're really used.
Snowmobile
When the lake-effect belt buries Chautauqua County, the trail system opens and the sleds come out. A machine that only runs three months a year still needs coverage the other nine — and Jake rides these trails himself.
Something else in the driveway?
The GEICO portfolio runs past these six — umbrella, life, RV, and more. Call (814) 738-6000 and ask Jake straight up whether it can be written here.
One agent.
Three states.
Erie sits in a tri-state corner, and Jake is licensed on all three sides of it. If your address, your commute, or your camp crosses a state line, your policy already can too — no second agent, no starting over. The legal minimums aren't even the same from one side of the line to the other.
What New York drivers
actually pay.
New York sits among the more expensive states in the country to insure a car — which is exactly why it's worth talking to someone local who'll walk the policy through with you before you sign it, not after a claim. Real averages, straight from the source.
Average annual auto insurance expenditure per insured vehicle in New York (2023).
Countrywide average: $1,282 — New York runs about a third higher.
Source: Insurance Information Institute / NAIC ↗Average annual homeowners insurance premium in New York (2022).
A real number to size a policy against before a Chautauqua winter, not after it.
Source: Insurance Information Institute / NAIC ↗Countrywide average annual renters (HO-4) premium (2022).
Roughly fourteen dollars a month to cover everything you carried into the apartment.
Source: Insurance Information Institute / NAIC ↗Why a local agent,
and not a 1-800 number.
Local, and staying local.
Sixteen years in the business, six of them building one office on this shore. The person who quotes you is the person who answers when it matters.
He knows the ground.
Jake hunts these woods, fishes this lake, and drives these lake-effect roads himself — so he knows what people out here actually need to cover, not just what a script suggests.
Backed by GEICO.
An independently owned and operated GEICO agency — the reach and pricing of a national carrier, with a named local agent standing behind the policy.
Let's cover your
home ground.
No pressure and no scripted pitch — just a straight talk with a local agent about the car, the house, the boat, and whatever else you'd hate to lose. Start a quote online or call the office and ask for Jake.