Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Cheektowaga

Our Recommended Top 7

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 Cheektowaga 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.

56

Reviewed

36

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1660 Kensington Ave, Buffalo, NY 14215
  • Fire
  • Multiple Policy Types

Why choose this provider?

P.A.G. Agency Inc. is a Buffalo-based insurance company that serves the Cheektowaga area. Its team assists clients in different areas including homeowners' insurance. The agents create home insurance policies that provide coverage for property damage and injuries. They offer insurance plans that cover damage resulting from theft, vandalism, and fire. They also offer flood insurance separately. The professionals insure vacation homes, single-family homes, multi-family homes, and condominiums. P.A.G. Agency Inc. has been in service for more than three decades.

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.
4.5
Google
4.5 / 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
1099 French Road, Cheektowaga, NY 14227
  • Multiple Policy Types

Why choose this provider?

Founded in 1930, The Bakos Agency, Inc. is a Cheektowaga-based insurance agency. The homeowners' insurance that this family-owned agency offers protects the home of its clients at the time of loss. The clients have the option of adding endorsements into their homeowners' insurance policy. These endorsements include replacement cost on dwelling, replacement cost on contents, jewelry riders, and water or sump pump failure. They can also include earthquake coverage and identity fraud expense into their homeowners' insurance policies.

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 (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
576 Dick Road, Depew, NY 14043
  • Multiple Policy Types

Why choose this provider?

Alliance Insurance Agency, Inc. services clients in the Cheektowaga area that seek to financially secure their homes against costs that result from unpredictable events. Based in Depew, the firm works to help homeowners financially recover from property damages or losses. Alliance Insurance Agency focuses on assisting clients through the process of determining home insurance policies best suited to their homes. The firm has been providing insurance services across the Western New York region since 1999.

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 (25)
Google
4.9 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3620 Harlem Road, Cheektowaga, NY 14215
  • Earthquake
  • Condos
  • Renter's Insurance
  • Flood

Why choose this provider?

Wlos Insurance provides financial services from its Cheektowaga office. Its team of agents helps clients with various policies including home insurance. The professionals assist homeowners in acquiring compensation for property replacement costs in the event of a disaster. They also offer named-perils policies and all-risk policies. Named-perils policies cover the losses specified in the contract. An all-risk policy covers all perils unless excluded specifically in the plan. Wlos Insurance has been providing financial protection for more than three decades.

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
4206 Union Rd, Cheektowaga, NY 14225
  • Multiple Policy Types

Why choose this provider?

The Walden Agency Inc. is a local homeowners' insurance agency that services families and individuals in Cheektowaga and the surrounding areas. For more than 40 years, its team of home insurance agents has been offering homeowners' insurance policies that meet the needs and preferences of the property owners. They also recommend insurance options such as condominium insurance, landlord insurance, and renters' insurance to their clients. The Walden Agency Inc. also provides auto and motorcycle insurance products.

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)

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
354 Cayuga Rd, Buffalo, NY 14225
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The Cesar Group, Inc., is a family-owned independent insurance agency established in 1955 that helps Cheektowaga residents find the right homeowners' insurance for them. The agency has a team of homeowners' insurance specialists that customizes the package to cater to the clients' requirements. Additionally, they inform customers about the various coverages available that they may consider adding to their basic policy. The Cesar Group also offers business insurance and other personal insurance products.

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.
4.5
Google
4.4 / 5 (13)
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
759 Dick Road, Cheektowaga, NY 14225
  • Multiple Policy Types

Why choose this provider?

Mesi Agency Inc. offers home insurance assistance to residents in the Cheektowaga area. The firm helps clients secure financial protection by helping them identify insurance policies best suited for the damage recovery needs of their homes. Mesi Agency also offers support for insuring valuable possessions such as jewelry, artwork, and collectibles. The firm has more than 30 years of experience in the insurance sector and also offers insurance assistance for landlords, recreational vehicle owners, and businesses.

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.
4.3
Google
4.0 / 5 (39)
Facebook
5.0 / 5 (13)

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

Frequently Asked Questions

  • 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.
  • Do homeowners' insurance plans in Cheektowaga only extend to damage on the property?

    No, typical homeowners' insurance plans in Cheektowaga extend beyond the damage on a property. It is common for these policies to extend to personal liability matters. The contract covers the damages that an insured client has to pay out in case there is a tort case filed against the individual and the decision or settlement is not favorable.

  • Are all weather hazards covered in typical homeowners' insurance policies in Cheektowaga?

    No, not all weather hazards are covered in typical homeowners' insurance policies in Cheektowaga. Flooding coverage is often an option that requires a separate policy. Homeowners who live near bodies of water will benefit most from flood plans. Indemnity for earthquake damage is also an option and not in standard contracts.

  • What weather conditions make it a good idea in Cheektowaga to get homeowners' insurance?

    In Cheektowaga, it is not uncommon for winters to have a strong impact on the homeowners in the area. The location is prone to strong blizzards like the winter of 2022 where the neighboring area of Buffalo experienced over two dozen deaths. These harsh weather events can cause extensive damage to real estate and make insurance ideal.

  • What is the correlation in Cheektowaga between deductibles and premium payments?

    In Cheektowaga, the correlation between deductibles and premium payments is a negative one, where the more one pays in deductibles, the less one owes in premium payments. This is because deductibles reduce the amount that the insurer has to pay for the occurrence of a covered peril.

  • What are the ways by which homeowners in Cheektowaga can reduce their premiums?

    Besides increasing deductibles, homeowners in Cheektowaga can reduce their premiums by making their homes less prone to damage. Installing countermeasures against fire and hail will lower premiums. Removing a swimming pool will also result in savings because these additions are prone to tort actions that will result in personal liability.

  • 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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