(716) 631-0190
Emerling Agency Logo
Personal
Insurance
Business
Insurance
Life & Health
Insurance
Financial
Services

Homeowners Insurance 

We help with coverage throughout New York State, Including Buffalo, Clarence, Williamsville, Lockport, Akron and Alden

home insurance quote button

Because everyone's needs are not the same, we will help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters.  A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy.  This means that it covers both damage to your property and your liability or legal responsibility for injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. We will go over what is covered in your policy and offer extra protection to help you when the unexpected happens. Be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent
Here are few things to discuss with us that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (We will help talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim?

Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates. 


Homeowners Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below. 

 
Thank you for your interest in Emerling AgencyContact us today via email to talk with one of our professional insurance agents or call us at 716-631-0190.
Connect With Us: Social Social Social
Icon

Visit Us


Emerling Agency
9092 Main Street
Clarence, NY 14031


Phone: (716) 631-0190
Fax: (716) 631-0198
Icon

Site Links

Personal Insurance
Business Insurance
Life & Health Insurance
Financial Services
Other Insurance
Blog
Make a Payment
Customer Service
About Us
Contact Us
Powered by Insurance Website Builder