homeowners

Homeowners Insurance

Expert Homeowners Insurance Advice and Claims Support

Homeowners insurance is an essential policy that protects what may be the biggest investment of your life: your house. In addition to insuring the home’s structure, it protects all of your possessions inside the home and even guards you from unexpected liabilities.

Crafting your homeowners policy requires decisions about the deductible amount, the value of your possessions, the likelihood of structural damage, and the liability risk level. The Alliance Group of Western NY has been advising Rochester area homeowners on these tough decisions for over 20 years. We learn your lifestyle, home, risk tolerance and budget to devise a plan perfect for your needs.

In the event of damage to your home, or loss or damage to your possessions, we’re here to consult you through the claims process. Our experts recommend when you should submit a claim; and if you do, they walk you through the process.

Contact The Alliance Group of Western NY today for a free consultation on your current Rochester NY area homeowners policy and the insurance options listed below. Fill out the form on this page or call us at (585) 388-8001.

Basic Homeowners Insurance

  • Home structure
  • Replacement costs
  • Personal possessions (up to a set limit)
  • Living expenses in case of a disaster
  • Liability

Supplemental Homeowners Insurance:

  • Valuable articles/floater policies (i.e., jewelry)
  • Flood policies
  • Earthquake policies
  • Umbrella policies (additional liability)
  • Animal liability (liability issues due to household pets)