Contact Us (607)334-8924

 

Contact us today to get a clear explanation of the many homeowners insurance options and how they can protect your home's unique needs, at an affordable cost..

   We guarantee -  

  • Personalized agent service
  • After hours support as needed
  • Quick Quotations
  • Multiple Company quotes

 

Homeowners, Dwelling Fire, Apartments, Condo's, Older Homes, and more at an affordable price


Best Home Insurance rates


Ask about our Builders Risk program for construction needs

     

Why Homeowners?


First,  because homeowners is the best valued insurance product on the market  covering most families largest asset.  It provides property, loss of  rent, liability, *workers comp, equipment breakdown, and much more.  You  can even schedule coverage for artwork, jewelry, etc.


Higher Deductibles mean cheap insurance?


Typical homeowners insurance  policy includes the standard, fixed-dollar amount deductible that you pay out of  pocket when you file a claim for a covered loss. A standard homeowners  insurance policy deductible is usually in the range of $500 to $2,000,  although lower and higher deductible home insurance plans are also  common.

Dollar  amount deductibles work like this: if your deductible is $1,000 and you  file a roof claim totaling $6,500 in damages, you pay the first $1,000  of the repair costs out of pocket before your insurance company sends  you a check for the remaining $5,500.

 

Of  course, there are ways to reduce your premiums beyond choosing a higher  deductible. There are plenty of available discounts, like bundling your homeowners policy with your auto policies, autopay discounts and many others. You can learn more about what affects your homeowners insurance cost here and how to lower those rates if they go up.


To determine what deductible amount is best for you, give our agency a call  We give you unbiased advice and help you weigh the costs and benefits of high vs low-deductible policies.

  

Homeowners vs Dwelling Fire?


Homeowners insurance is  for private homes and requires at least one of the named insureds 

occupies the home. A Dwelling (DP) policy is similar but used  for residences which don't qualify for a homeowners policy for various  reasons (ie. vacancy, non-owner occupied, seasonal, secondary residence,  age, etc.).  


What is Builders Risk?


Insures  your interest in materials, fixtures and/or equipment being used during  the construction or renovation of a building or structure.    

 

                                           No Liability Implied or Stated 

Walter  O. Rogers Insurance Agency LLC, its associated companies, its officers,  directors, associates, agents, or employees, or any other person  associated with this Site, shall not be liable or responsible for any  harm, loss or damage (whether arising in contract, tort negligence, or  otherwise) that may arise in any connection with use of this Site,  including any indirect, direct, special, third party, or consequential  damages. Every Insurance Policy package has limits and exclusions. It is  the responsibility of each individual and company to be knowledgeable  and aware of the wordings and coverage's for their Insurance Policy.   Copyright © 2020