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Bajorek Agency Inc

3462 Monroe Ave
Pittsford, NY 14534

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Guide To Help New York Homeowners Find The Right Policy

Bajorek Agency Inc serves the Rochester, NY community. We strive to help our clients find the coverage they need to enjoy a comfortable life. We will sit down with you and assess your needs so that you can find a policy specifically designed to protect you.

Home Insurance Guide

Home insurance helps you protect one of your most significant investments. Your Rochester, NY home is your sanctuary. It’s the place where you store your possessions and enjoy peace of mind. Home insurance covers any damage to the interior and exterior of your home. If there is significant damage to your home due to a fire or natural disaster, you can add alternative lodging coverage to your policy. Alternative lodging coverage protects you as you look for another place to stay while your home is repaired. If you have any attached structures on your property, such as a garage or shed, those are also protected through your policy.

All of your personal items inside your home are covered if they are stolen or vandalized. It’s a good idea to take inventory so that you will have a clear idea of how valuable your possessions are. If you have any rare luxury items, you’ll need to add extra coverage in order to fully protect those items if they are stolen or damaged.

Liability coverage is a significant part of your policy. Like many others, perhaps you enjoy having friends and family over to your home. If one of your guests gets hurt on your property, liability insurance will cover you. If you are doing some landscaping, and you accidentally cause damage to your neighbor’s property, liability coverage will protect you against possible legal action. 

Bajorek Agency Inc Will Help You Cover Your Assets

Visit our website today to learn more information about home insurance.  

What are the main advantages of getting home insurance in New York?

People that are in the Rochester, NY area should consider purchasing their next home. When you buy a property here, you need to make sure that you get proper insurance. Several advantages come when you do choose a proper home insurance policy. 

Coverage for Your Asset

One of the key benefits and advantages of receiving home insurance in this state is that you will get coverage for your asset. Your home is likely the most valuable asset that you will ever own. Due to your property’s importance and value, you need to make sure that you have properly protected with insurance. When you have a full home insurance policy here, it will give the coverage needed to repair or even replace your home.

Protection Against Liability Risk

All people have some level of personal liability risk that they need to consider when looking for insurance. When you get a full home insurance policy, it will provide you with some personal liability coverage. This type of insurance could give coverage for various scenarios that could result in a liability claim, including if a guest is hurt while they are on your property.

As you are looking for a home insurance policy in the Rochester, NY area, you will want to make sure that you get the needed guidance to understand your options fully. The team at Bajorek Agency Inc. will help you choose the right policy for your situation. When you work with Bajorek Agency Inc., you will receive personalized guidance that can help you understand your needs and options. This guide will help you choose a policy that is ideal for your situation. 

Tips to make my home safer

How safe is your home? Do you ever feel the need to improve safety measures? Well, keeping your Pittsford, NY home safe is not just about locking doors and windows but ensuring that your entire home is safe for both family, friends, and visitors. Slips and falls in the bathroom or cracked patios are common occurrences that can result in harsh lawsuits and high medical bills. At Bajorek Agency Inc., we help keep your home safe by providing you with home insurance coverage specifically designed for you.

Here are a few tips to help keep your home safe.

  • Keep essential documents and paperwork away: Learn to be creative about storing your paperwork. Burglars prefer to get away with critical documents as large items can draw attention. Don’t leave important paperwork lying around. Find safe, unique places, or keep them out of your home entirely.
  • Keep dangerous tools and equipment in a locked room: If you have kids at home, tighten their safety by eliminating any dangerous equipment and locking them securely in another room. Garden tools such as slashers, lawnmower, pruning shears, and chainsaws can be hazardous if left lying around the compound.
  • Examine your exteriors and fix all faults and weaknesses: Making your Pittsford, NY home safe is a collective family responsibility. You cannot always spot problems as soon as they happen, but other family members can. Train your children to report any broken windows, pipes, or wires in and out of the house.
  • Improve your lighting: Today, we have different forms of lighting to improve safety. You can choose to either go for smart bulbs or night time security lighting. Both methods work excellently in keeping burglars away. However, if you travel a lot, smart bulbs may be the ideal lights for you because you can turn them on and off from wherever you are to trick burglars that you are home.

Lastly, keep your home insurance updated. You never know when you may need to make a claim. Bajorek Agency Inc. is here to help. Contact us for inquiries today!

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