Frequently Asked Questions

We offer a broad range of personal and business insurance solutions, including auto, home, life, renters, boat, collector car, general liability, commercial auto, and other coverage options. Our goal is to make it easier to protect multiple parts of your life or business through one local agency.

As an independent agency, we aren't limited to a single insurance carrier. We know that one size does not fit all, and we can compare coverage and pricing with over 25 carriers to help find an option that fits your needs, priorities, and budget.

Yes. We work with individuals, families, and businesses to find appropriate coverage. Whether you're protecting your home and vehicles or looking for liability and commercial auto coverage, our team can help you evaluate your options.

You can expect personal service from a local, family-owned agency. You will receive a quote directly from Bob Sr. or Bob Jr. when you speak with us. With our 43 years of experience, we take the time to understand what you need, explain available options, and help you make informed insurance decisions.

Working with a local agency gives you access to people who understand the community and are available to provide personalized assistance. We know the weather in Williamsville and the issues that arise from it. We’re knowledgeable on the age of homes, bundle discounts that are available, and use that local relationship with our access to multiple insurance carriers.

Absolutely. The coverage shown on our website represents many of the policies we commonly help clients with, but it isn't necessarily the limit of what we can explore. We offer life insurance quotes from multiple carriers. If you tell us about your situation, we'll determine what coverage and carrier options may be available.

We work with businesses to understand their operations, risks, vehicles, liability exposures, and other insurance needs. Because we're an independent agency, we can explore options from multiple carriers and help determine which solutions are appropriate for your business.

Yes. Insurance needs can become more complex when you have multiple properties, vehicles, recreational assets, collector cars, or other exposures. Our licensed insurance agents can review the bigger picture and help identify coverage options that fit your circumstances, or if you come into our office you’ll be able to speak directly with Bob Sr. or Bob Jr.

Available online and carrier-specific tools can vary depending on your policy and insurance company. Most insurance carriers do have apps. Our team can help you understand the digital service options available with your coverage while remaining available when you prefer personal assistance.

We start by building a rapport with each client to learn about your specific needs rather than taking a one-size-fits-all approach. As an independent agency, we can evaluate options from multiple carriers and consider factors such as coverage, price, deductibles, limits, and your priorities before helping you choose.

Our approach combines the flexibility of an independent agency with the accessibility of a local, family-owned business. Instead of representing only one carrier, we explore multiple options while providing personal contact with live, licensed, local individuals and agency principals—with no push-button automated systems. We offer texting capabilities, share our personal cell phone numbers, provide online forms and defensive driving links, and deliver tailored guidance to the Williamsville community.

If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.

It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.

A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.

You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.

After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".

If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn't have insurance, your uninsured motorist coverage will take effect.

If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.