Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Amherst

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Amherst Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

80Reviewed

52Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1940 Eggert Road, Buffalo, NY 14226
  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Houck - Seward Agency is an independent insurance agency located in Amherst that serves the insurance needs of businesses, families, and individuals. Since opening its doors in 1998, the agency has helped clients find the right homeowners' insurance policy to cover their needs. Home insurance policies can cover specific risks or all risks, depending on clients' preferences. The agency gives its clients options from multiple insurance carriers. Houck - Seward Agency is available to contact 24/7 by phone or online, for clients' convenience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (8)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
90 Bryant Woods South, Amherst, NY 14228
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

United Insurance Agency, Inc., is comprised of financial professionals who offer various insurance products to individuals and businesses in the Amherst area and beyond. It delivers customized plans for homeowners' insurance, which includes house, personal property, and personal liability coverage. It also offers separate coverage for flood damage. An independent agency, the firm allows clients to choose specific products from regional and national providers. The agency has served New York state since 1890.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1045 Wehrle Drive, Williamsville, NY 14221
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Bob White Insurance Agency in Amherst is an independent insurance broker with almost 20 years of experience in the industry. He represents more than 20 insurance companies. He provides insurance policies both for personal and business needs. Its homeowners' insurance will cover the client from damage and losses from events like fire, theft, and others. It will also cover for the loss of personal property like electronics. Aside from that, it may include medical and living expenses, and protection from liability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (126)
Facebook
4.9 / 5 (50)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
333 International Dr, Buffalo, NY 14221
  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Why choose this provider?

Amherst Insurance Agency helps clients in the county and nearby areas of New York. It provides homeowners' insurance to pay for damage caused by natural calamities like hail and storms, and by factors like sewage backup or dog bites. The company can reimburse those who have lost personal belongings at current values. Its agents also offer an umbrella for injuries and accidents to its tenants or guests. The company provides for different types of homes, including concrete structures and seasonal residences.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (6)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3620 Harlem Road, Cheektowaga, NY 14215
  • Multiple Policy Types

Why choose this provider?

Wlos Insurance has been serving the insurance needs of clients in Amherst, Clarence, and Williamsville since 1988. One of the insurance products of this independent insurance agency is homeowners' insurance. Its insurance policies cover apartments and homes. The company's clients can choose from a named-perils policy or an all-risk policy. The named-risk policy limits its coverage to losses cited on the policy. In contrast, an all-risk policy covers all losses of the client unless a peril is specifically excluded.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4550 North Bailey Avenue, Amherst, NY 14226
  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

Why choose this provider?

Axxcess Insurance Agencies LTD was founded in 1977 and is located in Amherst. The company caters to homeowners, providing them coverage for damage to the house and theft of belongings. It helps them pay for repairs from winter, floods, and other disasters. It also covers attachments to the house like garages and sheds. Axxcess Insurance Agencies offers special coverage for different concerns like medical injuries. Its agents closely work with clients to tailor a unique coverage plan.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.8 / 5 (17)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4180 Bailey Avenue, Amhurst, NY 14226
  • Multiple Policy Types
  • Fire
  • Renter's Insurance

Why choose this provider?

Burch Insurance Agency discusses insurance policy options to residents and business property owners in Amherst and the surrounding areas. Its standard homeowners' insurance policy covers the dwelling itself and the contents of the house. Additional windstorm protection can also be included next to the standard protection against fire and hail. The policy can either be specific to certain perils or it can have comprehensive coverage. The company has been in the insurance industry for 25 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3140 Sheridan Drive, Amherst, NY 14226
  • Multiple Policy Types

Why choose this provider?

Michele Proietti is a State Farm insurance agent in Amherst. Michele has been an insurance agent for more than two decades and an Ambassador Club Qualifier for two years. State Farm's homeowners' insurance coverage includes the protection of collectibles, jewelry, appliances, furniture, electronics, and lawn decorations. It will also help cover the client from outlined threats like lightning, hail, fire, theft, and vandalism. The standard policy will cover flood damages, earthquakes, nuclear hazards, and contamination.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (59)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4504 Main Street, Buffalo, NY 14226
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Scott Krevat, a State Farm insurance agent, provides a range of insurance services from his Amherst location. Krevat helps clients acquire different insurance policies, including home insurance. The insurance professional offers homeowners' insurance policies that cover property replacement and repair costs. He also handles insurance plans that protect personal possessions such as clothing, jewelry, furniture, appliances, and electronics. Krevat has been working in the insurance industry since 2008. He is available by appointment before and after business hours.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (34)
Facebook
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2777 Sheridan Drive, Tonawanda, NY 14150
  • Renter's Insurance
  • Condos

Why choose this provider?

K.L. Hudson Insurance Agency works with multiple insurance companies, including American Collectors Insurance and Hagerty, to provide comprehensive insurance solutions in Amherst. Its team of insurance advisors helps homeowners understand the insurance process and aims to aid clients in finding appropriate coverage types. They inform homeowners of home coverage options, such as damages arising from fire, personal liability, personal injury, and off-premises theft. Homeowners also receive financial compensation for property damage and loss of use and related expenses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (45)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Why is homeowners’ insurance important to the residents of Amherst?

    Having homeowners' insurance is important for homeowners in Amherst because the city's geographical location makes it susceptible to severe weather occurrences like intense snowfall, thunderstorms, and sporadic tornadoes. This insurance coverage not only protects against various risks such as fire, theft, and vandalism but also meets the demands of lenders who seek to ensure the security of their property investments.

  • What is the difference between market value and replacement cost in relation to homeowners’ insurance in Amherst?

    Market value refers to the sum a buyer would offer for a property, including the land's value, regardless of the expenses involved in reconstructing the dwelling. Conversely, replacement cost pertains to the amount required to restore or replace an entire residence to its initial condition. Market value and replacement cost are two different ways to assess the value of a property, and they play distinct roles in homeowners' insurance in Amherst.

  • What expenses are covered by additional living expenses coverage in Amherst?

    Additional living expenses, such as restaurant bills, limited motel expenses, and warehouse storage costs, might assist Amherst residents in covering the costs they might incur if they are temporarily displaced from their houses due to repair or reconstruction. It is important to note that there are often limits to the coverage, both in terms of the total amount policyholders can claim and the duration for which the coverage is provided.

  • What risks does comprehensive homeowners' insurance cover in Amherst?

    In Amherst, an all-inclusive homeowners' insurance plan includes coverage for burglaries, which ensures financial protection in the event of a home burglary or theft of personal possessions. Additionally, severe weather coverage offers protection against losses brought on by extreme weather events like hurricanes and windstorms. A comprehensive homeowners' insurance policy also covers damage from falling trees.

  • What is the statute of limitations for homeowners' insurance claims in Amherst and the rest of New York?

    Pursuant to Civil Practice Law and Rules Section 213, the statute of limitations for homeowners' insurance claims in Amherst and the rest of New York is six years. The deadline for filing a claim can be reduced to as little as one year from the date of loss. Homeowners must understand the timeframe specified in their policy, as insurance companies might cease negotiations regarding their claims once the statute of limitations elapses.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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