Personal Insurance Policies
Get the right insurance coverage for your protection—and peace of mind.
Whether you need auto, home or RV coverage, personal liability insurance or an umbrella policy, our experienced and friendly agents work with you to find the right policies. The shopping experience has never been easier: we search over 50 different insurance companies to find you the best rates and coverage—and we provide guidance and advice at every step along the way.
AUTO INSURANCE
Vehicle insurance—also called car insurance, motor insurance, and auto insurance provides financial protection against physical damage or bodily injury resulting from traffic accidents.
Every state has its own definition of the minimum car insurance available, but it’s wise to consider additional coverages beyond the minimum. The most common types of auto insurance include the following:
- Liability insurance
- Collision coverage
- Comprehensive insurance
- Uninsured motorist coverage
- Medical payments coverage
- Personal injury protection
HOMEOWNERS INSuRANCE
Home insurance, also commonly called homeowner’s insurance or HOI, is property insurance that covers a private residence. These insurance policies combine protections for the structure itself and the items within it, as well as liability insurance for accidents that occur at the home.
While additional coverage is available for specific situations or occasions, generally all home insurance policies provide protection against the following:
- Wind
- Hail
- Fire
- Smoke
- Vandalism
- Lightning
- Theft
- Explosion
Personal Umbrella Insurance
When you own or add a recreational vehicle, you should also consider an Umbrella Policy to cover all your assets—your auto, your home, and your toys—from unexpected liability exposures.
Umbrella Insurance is not required, but it is commonly purchased by people who fit one or more of the following criteria:
- Own property
- Have significant savings or other assets
- Are worried about liability claims against them when they travel internationally
- Own things that can lead to injury lawsuits such as pools, trampolines or dogs
- Engage in activities that increase their chances of being sued, such as being a landlord, coaching kids’ sports, volunteering, etc.
Life
Insurance
Life insurance doesn’t have to be complicated, or scary. Our specialists are skilled at explaining the differences between term life and permanent/whole life policies so that you can accurately assess your needs, review your options, and choose the right policy.
As Rochester’s leading life insurance specialist, we offer:
- Affordable plans for every type of person or family
- Customization of your plan for as long as you need with term insurance
- Compassionate, responsive claim services from a team of dedicated agents
- Multiple carrier options through our extensive network of life insurance companies
- Reduced premiums, realized by placing you with the right company based on your health
Specialty / “Toy” Insurance
Congratulations! You’re finally getting that toy you always wanted. Whether it’s a jet ski or a snowmobile, a camper or a motorcycle, let us help you protect what matters most.
Specialty insurance covers “toys” of all kinds, including but not limited to:
- Boats
- ATVs
- Classic cars
- Jet skis
- Campers
- RVs
- Motorcycles
- Snowmobiles
Looking For Something Else?
We’re happy to provide information and quotes for any personal insurance policies:
- Renters insurance
- Landlord insurance
- Mobile home insurance
- Health insurance
- Dwelling fire insurance
- Jewelry insurance
Request a Ferris personal insurance quote today.
We understand that protecting your personal assets is a top priority. To suit your needs, we provide you with a broad selection of personal insurance options. Our committed staff is here to assist you, and driven to provide you with the best home, auto, umbrella or liability insurance in Rochester, NY.