Rochester Insurance

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.

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.

Since the first of Henry Ford’s Model T’s rolled off the Piquette production line at Detroit more than a century ago, law enforcement, vehicle manufacturers, Rochester auto insurance companies we humble car owners, have been waging a non-stop war against auto thieves. And despite all the advances in security and technology, the crooks are still doing well since, according to the FBI, around a million motor vehicles, worth more than $7 billion, are stolen in the US every year.

If you work alone at home, you could face risks to your personal safety, especially if your business involves visitors. Here are some commonsense security measures you can take from Smith Insurance in Rochester, NY:

For some people, humidity in the home is a permanent fact of life. For others it’s a seasonal thing. But the hot summer months certainly are ratcheting up the humidity, which can be not only hazardous to health but also potentially damaging to the fabric of our homes. Improved technology and understanding of the issues have ushered in a new generation of dehumidifiers that can considerably reduce moisture and thereby improve comfort in the home. But what’s important and what should you look for? Here are some of the key issues:

Floods are the Number One natural disaster in the US, causing around $5 billion damage every year. Yet most Rochester NY homeowners insurance policies don’t provide coverage for this risk.

Preventing home injuries, including falls, fires/burns and poisoning, should be something that’s upper-most in our minds all the time, but the subject has an extra focus right now because June is National Home Safety Month.

There are new internet tax sites popping up every day for those who decide to file taxes themselves. But remember — you can never be too safe with your personal information. Do you have Identify Theft protection included on your homeowners insurance? If not, you might want to consider adding Identity Theft to your homeowners insurance policy. For a nominal fee, this addition will help restore your identity if you are a victim of theft or fraud.