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3462 Monroe Ave
Pittsford, NY 14534

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When To Reevaluate Your Classic Car Insurance Policy

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Classic car insurance is ideal for collectors and special investors alike. When it comes to protecting your prized possession, having the right insurance policy makes a significant difference in how you can maintain and operate your vehicle. At Bajorek Agency Inc, we work with clients in Rochester, NY, who are collectors and investors seeking long-term classic car insurance year-round.

When Classic Car Insurance Makes Sense

Opting for classic car insurance makes sense for individuals who invest in vehicles with values that appreciate over time. Values of vehicles increase due to:

  • Restorations and specialty part investments
  • Market demands
  • Rarity or even limited production (depending on the make and model)
  • Winning show recognitions or awards 

After making significant upgrades and updates to the following parts of your vehicle:

  • Custom paint jobs
  • Performance parts
  • Interiors
  • Engine rebuilds
  • Frame upgrades or chrome work

Other times to consider classic car insurance are:

  • If you change how often you drive the vehicle
  • Whether you drive it to shows or special events
  • If you’ve recently moved and changed storage conditions

Even if your classic car is in storage, the right insurance policy can significantly impact your protection and peace of mind. If your policy is more than a few years old, it may also be time to reassess the value of your investment and your policy’s perks and coverage areas. 

Working with the right agency is a way to better understand your insurance options. If you’re seeking additional protection for your classic car, classic car insurance may be the route for you. To learn more about your options when it comes to classic car insurance in Rochester, NY, contact Bajorek Agency Inc.

How Is Motorcycle Insurance Different From Car Insurance?

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While both cars and motorcycles share the road, the way they’re insured is somewhat different. Understanding these differences helps riders make smarter coverage decisions. Here at Bajorek Agency Inc., our team members help motorcycle owners in Rochester, NY, protect their bikes well.

More Coverage for Injuries

Motorcycles offer far less physical protection than cars, which means the risk of injury in an accident is much higher. As a result, motorcycle insurance often includes higher medical coverage options and may require additional protection for bodily injury. 

Riders should ensure they have coverage that accounts for hospital bills, rehabilitation, and even lost wages after an accident. We at Bajorek Agency Inc can help determine what limit makes sense for you.

Add-On Options for Accessories or Mods

Bikers frequently customize their bikes with aftermarket parts, chrome upgrades, saddlebags, or custom paint. Unlike most standard car policies, motorcycle insurance often offers accessory or equipment coverage to protect these modifications. Many also include protection for safety gear like helmets. 

Discounts for Seasonal Usage

With the cold and snowy winters that Rochester, NY, regularly sees, most bikers take their motorcycles off the road for part of the year. Many insurers adjust motorcycle policies for seasonal use, allowing riders to save on premiums during the months they don’t ride. This flexibility isn’t typically available with car insurance, which is expected to be used year-round.

When adjusting coverage for off-season storage, it’s important to make sure the bike is still insured against damage from fires, vandalism and similar perils. Our agents can assist with this, too.

Get Custom Motorcycle Insurance

Motorcycle insurance isn’t one-size-fits-all, and neither is your coverage. To make sure you’re fully protected, contact our agents. One of our team members can review your policy and help you get customized protection for every ride.

Life Insurance: Protection That Will Handle Your Memorial Plans

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Using a portion of your life insurance benefits to cover final expenses, including the cost of a memorial service, can provide peace of mind for you and your loved ones. If you plan to have a memorial held in your honor, take steps now to ensure your life insurance policy includes sufficient coverage for these costs.

Planning Your Memorial Service

Explore various memorial options to determine the details of your service. Decide on the venue where the memorial will be held and who will officiate the ceremony. Some venues may offer comprehensive packages that include transportation, floral arrangements, music, and other services. Compare rates and features when evaluating venues to find the best fit for your needs.

Support Items and Coverage Add-Ons

Identify the items and services required to execute your memorial. Determine which aspects of the service will be covered by your life insurance policy. Your policy can outline all final plans, including the allocation of funds for the memorial.

Ensure your policy specifies the amount of coverage designated for the memorial service and identifies the person responsible for overseeing its execution. These details will be crucial when the time comes to carry out your plans.

Policy Reviews and Updates

Regularly reviewing your life insurance policy ensures that all arrangements are in order. During a review, you can assess whether any changes or updates are needed. If modifications are required, a licensed insurance agent can assist you in making the necessary adjustments.

Insurance Assistance from Bajorek Agency Inc

Our agents at Bajorek Agency Inc are here to help you prepare your life insurance documents. An assigned agent will work with you to understand your preferences and recommend coverage options tailored to your needs.

Once your preferences are clear, your new life insurance policy will be created. Schedule a meeting with one of our agents in Rochester, NY, for personalized assistance and guidance.

Is Your Car Difficult to Insure?

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If you’re a New York driver, state law requires you to carry auto insurance. Many New York drivers have questions about their auto insurance. If you live near Rochester, NY, our team at Bajorek Agency Inc. is ready to meet you and answer your questions. We’ve been working with drivers like you since 1994.

Is Your Car Difficult to Insure?

You may wonder what to do if your application for auto insurance is declined. According to Insurify, purchasing a car with aftermarket modifications or alterations can make the vehicle a poor insurance risk. Additionally, an insurance company may deny you coverage if your driving record includes multiple at-fault accidents or driving violations.

If you have been denied auto insurance coverage, the New York Auto Insurance Plan provides coverage options through your insurance agent. This plan is specifically designed to offer insurance to individuals who are denied coverage by standard insurance carriers. However, because these policies are offered to high-risk drivers, they are typically more expensive than standard auto insurance policies.

Call Us Today for Your Appointment

Every driver is unique, so your auto insurance policy should fit your specific needs. Our team at Bajorek Agency Inc. wants to build a relationship with you to ensure we select the best insurance for your current needs while continuing to advise you in the future. Drivers in the Rochester, NY, area know they can rely on us for excellent customer service. Call us today to schedule an appointment, and let’s work together to find the right insurance policy for you.

Navigating Insurance Requirements in Commercial Leases

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Signing a commercial lease is an exciting milestone for any business, but before you finalize the agreement, it’s crucial to understand the insurance requirements outlined in the lease. At Bajorek Agency Inc. in Rochester, NY, we help business owners navigate the fine print of lease agreements to ensure they have the right coverage in place and can move forward with confidence.

What Your Lease Might Require

Many commercial leases include specific insurance requirements, which can vary depending on the landlord, the type of property, and the nature of your business. Typical requirements include general liability insurance, property insurance, and business interruption coverage. Additionally, some leases may require tenants to name the landlord as an "additional insured" on their policy, adding another layer of complexity.

Understanding these requirements—and why they matter—is essential. If an incident occurs on the property and your insurance doesn’t meet the lease terms, you could be held responsible for damages or even violate your agreement.

Why the Right Policy Matters

Having the proper insurance isn’t just about fulfilling lease obligations—it’s about protecting your business from financial loss. The right policy can cover a range of scenarios, from slip-and-fall accidents to property damage caused by a fire or storm.

At Bajorek Agency Inc. in Rochester, NY, we’re here to help you understand your lease’s insurance requirements and find coverage that fits both your agreement and your business needs. If you’re reviewing a commercial lease or have questions about your current policy, contact our team today. We’ll help you safeguard your business from the very start.

Does Home Insurance Cover Fire?

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If your home is damaged by fire, home insurance can be an invaluable resource. Understanding what your home insurance policy covers and knowing what steps to take in the event of a fire are essential.

The professionals at Bajorek Agency Inc., servicing Rochester, NY, are here to help. We offer a variety of insurance products and work with a range of insurance carriers. Whether you have questions about home insurance or need assistance filing a claim, we’re here to guide you.

Is Fire Covered Under Home Insurance?

Fire damage is covered under most home insurance policies. However, every policy is unique, so the best way to confirm whether your policy covers fire events is to review your specific policy. You should have received a copy of your policy upon purchase. If you need another copy, please get in touch with your insurance agent.

What Should You Do If Your Home Is Damaged by Fire?

If your home is damaged by fire and you need to file a claim, the first step is to contact your insurance agent. Your agent can help you initiate the claim process and provide support throughout. Experiencing a fire can be traumatic, so having professional assistance is crucial.

After filing a claim, follow your insurance company’s instructions carefully. Review your policy to understand the guidelines for the rebuilding process. You may be required to save documentation or receipts as part of the claim process.

Need to Make a Claim Against Your Home Insurance? Call Today

If you have home insurance and need to file a claim due to fire damage, the professionals at Bajorek Agency Inc., servicing Rochester, NY, are ready to assist. Contact us today to schedule an appointment.

Common Mistakes Classic Car Owners Make When Choosing Car Insurance

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Avoid These Three Mistakes When Shopping for Insurance on Your Classic Car

Did you know that any car over 25 years old is considered a classic? You probably did if you’re a car collector. We have seen far too many classic car owners in Rochester, NY make mistakes with their car insurance before they came to us at Bajorek Agency Inc. Classic cars come with specific circumstances. You should try to avoid these three common mistakes when shopping for auto coverage on your classic.

1. Insuring Based on Market Value

It seems simple enough to insure your classic car based on its market value. This can be a huge mistake, though. Try to get an independent certification of your classic car based on its rarity and condition as well. You and your insurer can then both agree on this amount and adequately cover your car.

2. Not Documenting Everything

Classic cars are old, meaning they have probably had a lot of work done on them in the past. You need to be sure to properly document all of this work to present to the insurer when getting your policy. The insurance company needs to know about any modifications or upgrades you’ve done to the vehicle so they can properly ascertain its value and cover it correctly.

3. Ignoring Limitations

Insurance companies often assume that you are mostly storing your classic car so that they may limit your coverage. For example, they may put a mileage limitation on it. Please don’t overlook these stipulations on your insurance; you could be left with a big bill when making your claim.

Bajorek Agency Inc. has been helping classic car owners in the Rochester, NY, area adequately insure their classic cars for years. Call us immediately for more information on how we can help you with your insurance policy.

How to Handle Common Road Hazards on a Motorcycle

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Riding a motorcycle offers a sense of freedom that’s hard to beat—but it also comes with a unique set of challenges. Staying safe on the road means being prepared for the unexpected. At Bajorek Agency Inc. in Rochester, NY, we’re passionate about helping motorcyclists stay protected, both with the right insurance and the proper knowledge.

Beware of Loose Gravel

Loose gravel might not seem like a big deal in a car, but it can be a serious hazard on two wheels. If you see gravel ahead, slow down gradually—don’t brake suddenly. Keep a light grip on the handlebars and try to ride in a straight line until you’re through it. Confidence and calm control make all the difference.

Stay Vigilant for Potholes and Debris

Potholes are more than just annoying—they can throw you off balance or even damage your bike. Try to scan the road ahead so you can maneuver safely around them. If you can’t avoid one, rise slightly off the seat and let your knees absorb the impact to reduce the jolt.

Exercise Extra Caution in Wet Conditions

Rain changes everything. Roads become slick, especially where there’s oil buildup. Ride slower, avoid sudden movements, and give yourself extra space to stop. Painted lines and metal surfaces, such as manhole covers, are especially slippery, so approach them with caution.

Even the most experienced riders can encounter trouble, which is why having solid motorcycle insurance is crucial.

At Bajorek Agency Inc., serving the Rochester, NY area, we’re here to help you stay protected, so you can enjoy every ride with confidence. Contact us today to make sure your coverage is ready for whatever the road throws your way.

How A Whole Life Insurance Policy Offers Protection

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A whole life insurance policy provides protection for the surviving family members of the insured. Discover how this type of insurance can benefit you and your loved ones.

Understanding Whole Life Insurance Policies

A whole life insurance policy offers protection in the event of your passing. This type of insurance can provide financial benefits to those listed as your beneficiaries. A whole life insurance policy accumulates a cash value over time and does not expire, offering a guaranteed payout to your loved ones upon your passing. While you are still living, you can borrow against the accumulated cash value, which can be helpful in a financial emergency.

Providing Financial Security for Loved Ones

Your insurance policy provides financial security for your loved ones. The payout they receive can help handle everyday expenses and cover any costs incurred after your passing.

Covering Final Expenses

Your insurance policy can cover your final expenses. While you are still living, you can specify that some of the proceeds from your whole life insurance policy are used to pay for your memorial service and burial. You can outline how you would like your final plans to be upheld.

Consult with an Agent from Bajorek Agency Inc.

Contact one of our agents to discuss life insurance coverage. An agent serving the Rochester, NY region will schedule an appointment with you to talk about life insurance products and the types of coverage that will benefit you.

The Role of Auto Insurance in Rental Car Coverage

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Renting a car can be a convenient solution, whether traveling, your vehicle is in the shop, or you need a temporary ride. But before you sign on the dotted line and drive off the lot, it’s important to understand how your auto insurance policy comes into play. At Bajorek Agency Inc., serving the greater Rochester, NY region, we help drivers navigate rental car coverage to ensure they’re fully protected without overpaying for unnecessary extras.

Understanding Auto Insurance Coverage for Rental Cars

In many cases, your personal auto insurance extends to rental vehicles. If your policy includes collision and comprehensive coverage, it may apply to a rental car in the same way it does to your own vehicle. Liability coverage also typically carries over, protecting you if you’re responsible for an accident. However, there may be exceptions, so reviewing your policy before renting a car is always a smart move.

Navigating Rental Car Company Insurance

When picking up a rental, the company will likely offer additional insurance options, including collision damage waivers and liability protection. While these coverages can provide peace of mind, they may duplicate what you already have. That said, if your auto policy has high deductibles or limited coverage, opting for rental insurance could save you from unexpected expenses in case of an accident.

Stay Protected Wherever You Drive

Before renting your next car, ensure you have the right coverage. Bajorek Agency Inc. proudly provides auto insurance throughout the Rochester, NY, area. We’re here to help you understand how your auto insurance applies to rentals so you can make informed decisions. Contact us today to review your policy and ensure you’re covered for every trip.

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