Rochester Insurance

If you are like most people, then you probably just assume that your home is fully insured simply because you have Rochester Homeowners Insurance. This may not be the case, and it is very important to review the Replacement Cost that is stated on your homeowners insurance.

How much “stuff” to you have? No, seriously: If you were asked to reel off a list of your possessions, how many would you recall? How many would you forget? Almost as important, how long would it take? The answers may not seem important now but, if you ever find yourself making a Rochester NY homeowners insurance claim, they could make all the difference not only to how much you get but also the hoops you may have to jump through to get it.

Alarming new statistics show that one in every 20 Americans has now been a victim of identity theft and the crime is climbing by about 13 percent a year. Did you know that your Rochester NY Homeowners Insurance can protect you?

Did you know that if your car is broken in to, it is possible for your homeowners insurance and auto insurance to both respond. Your homeowners insurance is meant to cover any of your personal possessions that are in the vehicle and your auto insurance is meant to cover the vehicle itself.

According to the National Fire Protection Association, cooking fires are the number one cause of home fires. Nearly all cooking fires start with the ignition of food or cooking oil.

Have you ever wondered what would happen if you had a house fire? Would you have enough homeowners insurance to cover the loss? Would it be an absolute nightmare with headaches throughout the whole process of collecting under your homeowners insuranc policy and repairing or rebuilding your home?

Electrical faults cause around 55,000 home fires every year, killing 500 people, injuring 1,400 and costing $1.4 billion of property damage. The holidays are right around the corner and people in Rochester NY are starting to tax their electrical systems with lights and decorations!

Any money that you have in your home is covered on your Rochester NY Homeowners Insurance policy only for the face amount of the coin or bill; and typically that coverage is limited to $250. This includes any collectible coins that you may have.

Have you ever had a homeowners insurance claim? If you have, then you already know that the insurance company will want to know detailed information on what happened and what was damaged, stolen, etc. Here are some helpful tips from the Smith Insurance Agency in Rochester NY on how to prepare for your meeting with an insurance adjuster.

A car break-in could result in two claims! Theft or vandalism of certain items inside your vehicle may only be covered by your homeowners insurance or renter’s insurance.