Your home is probably the biggest thing you'll ever insure. We shop multiple carriers to protect the house, what's in it, and everyone under the roof. Based in Rochester, NY, protecting homes across New York.
Your home is probably the biggest thing you'll ever insure. We shop multiple carriers to protect the house, what's in it, and everyone under the roof. Based in Rochester, NY, protecting homes across New York.
Covers the structure itself. If fire, wind, or a burst pipe damages your house, this pays to repair or rebuild it.
Your garage, shed, fence, and anything else on the property that isn't the house itself.
The stuff inside. Furniture, clothes, electronics, and everything else you'd hate to replace out of pocket.
Protects you if someone is hurt on your property or you're responsible for damage to someone else's.
Helps pay for a place to stay if your home isn't livable while it's being repaired.
Water backup, service line, and jewelry riders. The add-ons that close common gaps.
No two homes cost the same to insure. A few things shape your premium:
Not by law, but your mortgage lender will require it. And even without a mortgage, going without coverage puts everything you own at risk.
Market value is what your home would sell for. Rebuild cost is what it takes to build it again after a loss. We insure your home for the second number, and we'll help you get it right.
It can. That's why we talk it through with you first. Sometimes a small repair out of pocket is smarter than a claim.
Standard policies don't cover flood damage. If you're near water or in a flood zone, ask us about flood coverage. We can write it.
Free quotes, honest answers, and coverage built for how you live.