Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Buffalo

Our Recommended Top 19

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 Buffalo 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.

172Reviewed

110Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1439 Main St, Buffalo, NY 14209
WebsiteLicense: 804195

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Toni DuBois Agency LLC is a family-owned business that addresses the insurance needs of individuals in Buffalo and the surrounding areas. Its agents work closely with clients to create a coverage option that fits their needs. They offer a wide selection of products, including homeowners', renters', life, health, and umbrella insurance. Commercial products are also available, such as BOP, workers' compensation, and general liability. In addition, Its professionals assist individuals with insurance claims and policy upgrades.

  • Renter's Insurance
  • Condos

5475 Main Street, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Google
4.9 (58)
Yelp
5.0 (1)

Why choose this provider?

Moses Insurance is a family-owned business that provides risk management solutions for individuals and businesses in the Buffalo area. Its team writes various policies, including home insurance plans, which reimburse losses in cases of floods, windstorms, and fire. The independent agents, who also insure high-value homes, have access to policies from over 20 providers, allowing them to find coverages that suit clients' unique needs. Moses Insurance is a third-generation company that has been protecting clients since 1955.

  • Renter's Insurance
  • Condos
  • Earthquake

37 Elmwood Ave, Buffalo, NY 14201

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

The Decker Agency is a full-service independent insurance agency specializing in home insurance. Located in Buffalo, New York, it represents over 10 carriers, giving its clients a choice of policies for their home. The agency discusses coverage options with its clients, focusing on their particular needs to find a policy that meets their coverage requirements and their budget. Coverage will usually be for structural damage, liability if a visitor is injured, and reimbursement due to theft or fire.

  • Renter's Insurance
  • Homeowners

31 W Main St, Lockport, NY 14094

Expertise.com Rating

Review Sources

Google
3.9 (38)
Yelp
5.0 (1)

Why choose this provider?

Calderone Insurance is an independent and family-owned insurance agency serving Buffalo, New York, and surrounding areas. Calderone Insurance and its experienced team of agents help homeowners protect their dwelling structures and property with personalized damage and liability policies from leading insurance providers. The company works on the client's behalf to find affordable premiums while delivering high-quality coverage. Calderone Insurance also offers renters, condominium, and fire insurance policies to provide reliable protection for property owners of all kinds.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

2890 Delaware Ave., Kenmore, NY 14217
WebsiteLicense: 1124298

Expertise.com Rating

Why choose this provider?

Paul Wolf Insurance Agency is a family-run business that caters to clients in Buffalo. The company offers a variety of insurance products, including homeowners' insurance. It protects the policyholders' properties in case of natural disasters and catastrophic events. The insurance agents at the firm also write policies for automobiles and businesses. Paul Wolf Insurance Agency, which was established in 2008, partners with 30 national insurance carriers to help clients find the coverage plans that suit their needs.

  • Homeowners

1274 Bailey Ave, Buffalo, NY 14206
WebsiteLicense: 1315635

Expertise.com Rating

Review Sources

Google
4.5 (15)

Why choose this provider?

Established in 1955, Centinello Insurance is a privately owned company based in Buffalo. Its owner, Frank Centinello Jr., offers homeowners', auto, and commercial insurance, in addition to bonds and dealer plates coverage. He provides homeowners' insurance coverage designed to protect the policyholders, their properties, and their belongings from damages. With the understanding that owning a property is a valuable asset for the clients, Centinello and his team perform intensive research before presenting them with a policy.

  • Condos

333 International Dr Ste B3, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Google
4.8 (6)
Facebook
5.0 (1)

Why choose this provider?

Amherst Insurance Agency is an independent insurance agency based in Williamsville, New York, representing a carefully selected group of reputable and financially stable insurance companies. The firm connects homeowners seeking to buy reliable home insurance to these carriers and additionally offers them advice and guidance on policy coverage and claims. Policies available cover homes, apartments, condos, and co-ops, whether the client is an owner or renter. The company also handles auto, business, and health insurance.

  • Renter's Insurance
  • Condos
  • Fire

Buffalo, NY

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
4.5 (22)

Why choose this provider?

Founded in 2011, InsuranceTrak Services is an independent insurance agency that provides homeowners insurance services in Buffalo. Its professionals guide clients through insurance policies that cover a wide range of home assets and liabilities, including primary households and attached structures, personal properties, loss of use, personal liabilities, and medical expenses. InsuranceTrak Services provides all-risk insurance coverage for homeowners, which covers losses specified in the policy, such as sewer backups and floods.

  • Multiple Policy Types

5700 Main St, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (1)

Why choose this provider?

The Franz Manno Services Corp. is an independent insurance agency based in Williamsville, New York, serving residents and businesses in the Buffalo metro area since 2003. The agency provides unbiased advice to clients looking for the right home insurance policy and helps them acquire it through its relationships with many insurance carriers. It advises on coverage limitations and benefits and can arrange for add-ons like medical cover or liability insurance. It also provides policies for condos and townhouses.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

8665 Sheridan Dr, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Google
4.5 (33)
Facebook
5.0 (7)

Why choose this provider?

Larsen Insurance Agency has been providing residents living in Buffalo, New York, and Williamsville City with insurance services since 2003. The company's agents offer assistance to clients who want to protect their properties from loss or damages. Its home insurance policies cover catastrophic damage caused by wind, ice, fire, and earthquakes as well as medical expenses and loss of personal belongings. Larsen Insurance Agency also provides auto, landlords, renters, restaurants, and flood insurance policies.

  • Renter's Insurance
  • Earthquake
  • Flood

826 Tonawanda Street, Buffalo, NY 14207

Expertise.com Rating

Why choose this provider?

Dennis Evchich Agency, Inc., serves individuals, families, and businesses in Buffalo and the surrounding areas. Its services include a wide range of personal insurance protection, such as homeowners', condos, renters', and automobile insurance. It also handles income properties, recreational vehicles, and financial planning. It represents many insurance carriers, including Erie Insurance and National General. Dennis Evchich, the owner of the agency, has been helping clients throughout the state of New York with their insurance needs for more than three decades.

  • Homeowners

36 Hopkins Road, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Facebook
4.7 (52)
Google
4.8 (32)

Why choose this provider?

Maranto Agency, Inc., is an insurance firm that has been serving families and businesses across Buffalo and the surrounding communities for over four decades. It represents more than 20 insurance carriers, offering insurance plans suitable to the budget and lifestyle of its clients. The agency has a variety of personal insurance lines that provide coverage to homes, cars, and recreational vehicles. Additional coverage plans are also available for valuables such as cellphones, cameras, musical instruments, sports equipment, and jewelry.

  • Homeowners

576 Walck Rd, North Tonawanda, NY 14120

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
5.0 (24)

Why choose this provider?

Located in North Tonawanda, New York, the Encompass Agency Inc. is an independent insurance agency serving Buffalo, Rochester, Syracuse, and Pennsylvania. It provides home insurance solutions to its clients within its wider portfolio of auto and business insurance services. The agency works with all clients from first-time buyers to longtime homeowners. Its range of properties includes second homes and apartments for owners and renters, as well as providing coverage for condos and cooperative properties.

  • Renter's Insurance
  • Homeowners
  • Landlords

2777 Sheridan Dr Ste 202, Tonawanda, NY 14150

Expertise.com Rating

Review Sources

Google
4.8 (74)
Facebook
5.0 (26)
Yelp
5.0 (2)

Why choose this provider?

The founder of K L Hudson Insurance Agency, a home insurance company operating out of Buffalo, New York, has more than 2 decades of experience in the field. This independent agency works with multiple large insurance providers and offers homeowners and renters insurance. Its policies provide coverage and protection for damage to the home, stolen belongings, liability, and relocation. K L Hudson Insurance Agency also sells auto and business insurance.

  • Renter's Insurance
  • Condos
  • Fire

3890 Seneca Street, West Seneca, NY 14224

Expertise.com Rating

Why choose this provider?

Niagara Montauk Insurance is an independent agency providing a wide range of products and solutions to individuals, families, and businesses in Buffalo and the surrounding neighborhoods. It specializes in personal insurance, including named perils and all-risk homeowners' insurance policies. It also carries insurance packages for rental properties, mobile homes, and condominiums. The agency offers packages from various providers, including Chautauqua Patrons, Erie Insurance, Progressive, and Utica First. Owner Timothy Overdorf holds over 16 years of experience in the insurance industry.

  • Condos

9092 Main St, Clarence, NY 14031

Expertise.com Rating

Review Sources

Google
4.7 (51)

Why choose this provider?

Based in Clarence, New York, the Emerling Agency LLC was founded in 1981 to give independent insurance advice to homeowners throughout the Buffalo metro area. Part of the EMS Group, the agency represents many insurance companies, which gives it the flexibility to find suitable policies for its clients. Advisors discuss and explain coverage with their clients, helping them make important decisions with confidence and support. Coverage normally includes repair costs, replacement for theft, and liability for injuries sustained by others.

  • Renter's Insurance
  • Flood
  • Homeowners

36 Buffalo St, Hamburg, NY 14075

Expertise.com Rating

Review Sources

Google
4.0 (10)
Yelp
5.0 (1)

Why choose this provider?

Benz Associates LLC Professional Insurance Services is located in Hamburg, New York and serves homeowners throughout the greater Buffalo area. The company only works with insurance carriers that have been rated "A" or better by A.M. Best and strives to provide affordable homeowners insurance solutions. Policies cover the cost of repairs to the home, as well as replacement of its contents, in the event of a fire, natural disaster or break-in. Auto, renters and life insurance policies are also available.

  • Renter's Insurance
  • Condos
  • Flood

615 Elmwood Ave, Buffalo, NY 14222

Expertise.com Rating

Review Sources

Google
4.8 (162)
Facebook
4.5 (25)
Yelp
3.7 (3)

Why choose this provider?

Dan Schmidt is a State Farm insurance agent who serves clients in Buffalo and the local areas. He aims to become his clients' first option for their insurance needs by establishing personal relationships with them. Schmidt and his team offer health, life, homeowners', automobile, property, and business insurance plans. The team also offers annuities and banking services. Dan Cyrulik, the team's account manager, has been in the industry for 19 years. He has assisted countless families to achieve their financial goals and objectives.

  • Renter's Insurance
  • Condos
  • Multiple Policy Types

3000 Delaware Avenue, Kenmore, NY 14217
WebsiteLicense: 620229

Expertise.com Rating

Review Sources

Google
4.7 (31)
Facebook
5.0 (18)

Why choose this provider?

Cassetta Agency Inc. is a family-owned insurance firm that has served clients in Buffalo since 1958. Established in founder Joseph Cassetta Sr.'s house, it has expanded to two locations with a team of 12 insurance agents. The firm offers quotes for homeowners' insurance plans that cover the property itself, external structures, and piping conditions. It can also recommend additional coverages for specific perils, like flooding and medical liability. The firm is a member of multiple professional organizations, including Trusted Choice.

  • Flood
  • Multiple Carriers
  • Multiple Policy Types

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.
  • How much is the homeowners' insurance policy in Buffalo?

    In Buffalo, a typical homeowners' insurance policy costs $89 per month, with an average rate of $1,073. However, those who live in areas prone to wildfires, hail, frozen pipes, and windstorms may pay a higher premium. Furthermore, the cost of a Buffalo homeowners' insurance policy is determined by the coverage limit as well as other factors such as the value of personal belongings, the cost of building materials, and the overall value of the primary residence.

  • How much is the limitation of dwelling coverage of homeowners' insurance policies in Buffalo?

    In Buffalo, dwelling coverage on homeowners' insurance policies can range from $100,000 to $3 million. According to the New York Department of Financial Services, most insurers limit personal property on premises to 50% of the total amount of homeowners' insurance policy, garages and storage sheds to 10%, additional living expenses to 20%, and personal property off premises to 10% of the total amount of homeowners' insurance policy. Additionally, personal liability, including medical payments, is limited to $500 to $1,000.

  • Do individuals get discounts for homeowners' insurance policies in Buffalo?

    Homeowners in Buffalo who have security systems, burglar alarms, water shut-off devices, and fireplaces may qualify for discounts on their homeowners insurance policies. Discounts are available for property renovations or upgrades such as remodeling a kitchen or bathroom, finishing a basement, and installing a central air system. In addition, policyholder profiles such as current or former military members, senior citizens, and employees are eligible for a Buffalo homeowners' insurance policy discount.

  • Do homeowners' insurance policies cover home-based businesses in Buffalo?

    In an average Buffalo home insurance policy, equipment used for home-based business purposes, such as 3D printers, cameras, and laptops, is subject to special liability. These properties, however, are limited to $2,500 and are only protected if they are burglarized or damaged as a result of an accident. Most Buffalo insurers recommended that individuals purchase additional coverage, such as a standalone in-home business or business owner policies, to protect them from various accidents or situations and to cover supplies, technology, and inventory.

  • Are residents of Buffalo required to have a homeowners' insurance policy?

    Residents of Buffalo are not required to purchase homeowners insurance; however, if they have mortgages, their lenders will require them to do so. While they are linked to the title, the bank requires borrowers to carry homeowners' insurance policies, which protect assets and properties. Individuals in Buffalo, on the other hand, are advised to have homeowners' insurance policies to cover damages from earthquake-caused explosions or fires, as the metro is located on a fault line.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.