Flanagan Mills Insurance Agency

Flanagan Mills Insurance Agency is an independent insurance agency at 448 Titus Avenue in the town of Irondequoit, Rochester, NY. Founded in October 2015 by Megan Flanagan Mills, the agency has grown into an established presence along the Titus Avenue commercial corridor. Megan Flanagan Mills received the 2018 Up & Coming Business Person Award and was recognized by the Democrat & Chronicle as a "Woman to Watch." She has also served as Past President of the Rochester Women's Network. The agency is a member of the Irondequoit Chamber of Commerce and has been BBB-accredited since 2021.

As an independent agency, Flanagan Mills represents 17 insurance carriers — including Erie, Travelers, Progressive, Allstate, Chubb, Foremost, NY Central Mutual, Preferred Mutual, and Main Street America — allowing clients to compare coverage and pricing across multiple companies. Their personal insurance lines include:

• Home, condo, renters, and landlord policies
• Auto and motorcycle coverage
• Recreational vehicle insurance
• Vacation home protection
• Individual life insurance
• Classic and collector car insurance through Hagerty

On the commercial side, the agency writes business owners policies, general liability, commercial umbrella, restaurant insurance, and contractor insurance. Evening and weekend appointments are available by request beyond the standard Monday–Thursday 9 AM–5 PM and Friday 9 AM–4 PM office hours.

Flanagan Mills has built its practice around the independent-agency model, giving policyholders access to a broad carrier panel rather than binding them to a single insurer. The agency places particular emphasis on educating clients about their risk exposures and coverage options. Its carrier list blends national names like Travelers and Progressive with regional mutuals such as Genesee Patrons, Leatherstocking, and Wayne Cooperative — a mix that can be useful for insuring older or unique properties common in the Rochester area.

The agency's office sits on Titus Avenue, one of Irondequoit's primary commercial streets, in the 14617 ZIP code on Rochester's northeast side. Titus Avenue runs through the heart of the town's retail and service district, with a mix of small professional offices, restaurants, and neighborhood shops. The location is readily accessible from Hudson Avenue and Route 104 (Ridge Road), and on-street parking is available along the corridor. Clients coming from downtown Rochester can reach the office in roughly ten minutes heading north through the Irondequoit area.