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Bajorek Agency Inc

3462 Monroe Ave
Pittsford, NY 14534

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Will home insurance pay for the injuries caused by my dog attacking the neighbor’s dog?

Homeowners insurance creates peace of mind for many homeowners. Many homeowners lack the resources to pay for an unexpected incident or situation concerning their property or home. Homeowners insurance even provides liability protection if you’re at fault for an accident or situation that takes place.

Our Rochester, NY team at Bajorek Agency Inc is committed to helping homeowners understand the benefits of homeowners insurance. 

What are the Benefits of Homeowners Insurance?

Homeowners insurance provides financial and liability protection and coverage for your home, the structures on your property, personal possessions, and more. Your homeowner’s insurance will pay for the repair or replacement of your home, in addition to providing money for living expenses. If the repair of your home requires you to leave and reside somewhere else while it is being repaired, your homeowner’s insurance will pay for housing and living expenses until your home is repaired.

Liability coverage is also a part of a standard homeowner insurance policy. This means that your homeowner’s insurance will cover damage you cause to someone else’s property, bodily injury, and even dog bites.

Will homeowners’ insurance pay for the injuries caused by my dog attacking the neighbor’s dog?

Your homeowner’s insurance policy provides both legal and liability coverage for dog bites. Your homeowner’s insurance policy provides medical coverage. However, the covered amount must be within the limits of your homeowner’s insurance policy.

Any amount over the coverage limits of your insurance policy is the financial responsibility of the homeowner. Homeowner’s insurance liability coverage limits typically range from $100K to $300K.

Contact Us Today

If you have questions about homeowners’ insurance, we’d be happy to help. We can help you explore the benefits of Rochester, NY home insurance. Call us at Bajorek Agency Inc. We’re standing by. 

Things home insurance won’t cover

Owning a home is a big step and it comes with some risks. Home insurance offers protection against many of the obvious risks. But you need to understand that home insurance has some exclusions, things it won’t cover, and it is up to you to get additional coverage if it feels right. At Bajorek Agency Inc in Rochester, NY, we work with our customers to customize a perfect home insurance policy for them and their homes. 

Things home insurance won’t cover

Owner neglect

Insurance companies have an expectation that homeowners will maintain their homes. If you have a claim for something that results from owner neglect, your insurance company will refuse to pay. Under owner neglect are things like rodent infestation, mold, termites, and carpenter ants.  If you have these issues, it is expected that you should have treatment to prevent them from happening in the first place. 

Wear and tear

Things like a roof or a furnace have an expected lifetime. They will wear out and your roof may fail or your furnace stop working. These types of damage are not covered. It is up to you to replace them before they cause excessive damage. 


Floods are one of the most destructive natural disasters. If the reason for the flood is surface water, it is not covered. The good news is that you can purchase flood insurance through the NFIP and if you are concerned, you may want to do it. 

Earth Movement

Most earth movement is excluded from your standard home insurance policy. This includes earthquakes, sinkholes, mudslides, and landslides, 

Sewer backup

If a sewer backs up into your home, it is disgusting, and even worse, it isn’t covered. You will be responsible for any cleanup and repair.

Contact Bajorek Agency Inc in Rochester, NY with any questions you have about home insurance. 

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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