Benefits of Whole Life policies

Is it time for your family to have life insurance? The folks at Genesee Valley Agency are here to answer your questions. Residents in the greater Arkport, NY community, can rely on our team for all of their insurance needs. All life insurance policies provide different features and benefits, so it is important to find the right policy for your family.

Key benefits of Whole Life policies

  • There is no expiration: Whole Life policies remain in force for as long as the premium is paid; there is no expiration of protection or coverage.
  • Unchanged premiums for the policy’s life: with a Whole Life policy, you know what your premium will be as it does not change over the life of the policy.
  • Cash value and dividends: one of the strongest features is the living benefit that a Whole Life policy will provide. In addition to the death benefit, the policyholder may also receive benefits during their lifetime.

There are many different Whole Life policies available to New York residents, and it’s important to find one that suits your family’s needs. Yes, it can be overwhelming to discuss life insurance, but it is a conversation that needs to happen. Protecting one’s family is a vital part of taking responsibility for the care of one’s loved ones. Working with a certified agent can help to streamline the process.

Your whole life specialists

We here at Genesee Valley Agency are proud to serve our friends and neighbors in the larger Arkport, NY area. Our team is dedicated to providing the information necessary for our clients to make informed decisions regarding insurance. To find out more about life insurance benefits, including Whole Life policies, click, call, or stop by today!

Do I need auto insurance in Arkport?

If you live in the Arkport, NY area, you will likely need to own a car. While some tasks can be completed by walking or public transportation, having a car will make your life a lot more convenient. If you choose to purchase a car in this area, you should also carefully consider your insurance needs. There are several reasons why someone needs to have auto insurance when purchasing a car in New York.

Required for Legal Compliance

One of the main reasons to get an auto insurance policy is because the law requires it. In the state of New York, you are always obligated to carry liability insurance. This is an important form of insurance to carry because it will ensure you have the ability to pay for damages if you cause an accident. Those that are caught driving without this insurance could face several forms of penalization.

Protects Vehicle

If you purchase a vehicle, it is also a valuable asset that you will want to protect as well as possible. One of the best ways that you can do this is by getting car insurance. If you get a full auto insurance policy with both collision and comprehensive coverage, you will have coverage for virtually any situation that could result in a loss. Most of the time, an auto lender will also require that you carry this coverage.

Ultimately, picking an auto insurance policy in Arkport, NY is a big decision. If you are in the market for a new policy, you should call the Genesee Valley Agency. At the Genesee Valley Agency, our team of professionals will evaluate your personal needs and help you find the right policy for your situation.

Five things you need to know before buying commercial insurance

Owning a business in Arkport, NY comes with its own fair share of risks. There are many uncertainties and unforeseen incidents that could lead to a substantial financial loss for your business. That is why Genesee Valley Agency recommends buying commercial insurance to cushion your business from various losses. So, how do you go about the buying process? Here are five tips to help you out.

1. Assess your risks

The first step into buying any form of insurance, you need to assess the level of risk. The same concept applies to your business insurance. For instance, if you entertain many customers, such as running a restaurant, you may need to think about liability insurance to protect you and the customers that come to your business location.

2. Find out the coverage options available for your business

Commercial insurance is quite extensive and comes with lots of options. You can enquire about the coverages that will work for your business.

3. Choose a reputable insurance provider

Choosing reliable insurance is mandatory. If you don’t buy insurance from the right company, you may end up buying little or more than you need. Reputable companies also help you choose the right coverages based on your industry and the risks involved.

4. Buy sufficient coverage based on your needs

Different businesses require different insurance coverage. Depending on the kind of business you run, you want to make sure that everything is covered, from equipment, employees to products and even clients.

5. Review the terms and conditions before signing

Before signing the contract, make sure you have read everything therein and are comfortable with the terms and conditions. Insurance companies have different terms and conditions, so don’t assume conditions will be the same with all the companies.

Smart business owners buy adequate business insurance. Be smart and let Genesee Valley Agency help you safeguard what matters to you most. Feel free to contact us today.

Home Insurance in Dansville: Risk VS Reward

With schools out until September and vacation plans hanging by a thread, now is the perfect time to make sure that your home insurance in Dansville, NY still covers your needs.

At-home hazards

More time spent in the house imposes heavier burdens on air conditioning, electrical and hydraulic systems. Appliances are in constant use (frequently by less experienced family members), while smartphones, tablets and laptops are charged constantly, often through risky socket extenders.

This is when homeowners call in the  Genesee Valley Agency to check out their home insurance in Rochester, NY, making sure that their coverage can handle these additional risks. A power surge may burn out a laptop needed for work and a non-functional AC system can be uncomfortable; but plumbing problems can be health hazards, while electrical issues may be life-threatening.

Bridging gaps

The experts at GVA are happy to audit family insurance plans, finding potentially dangerous gaps in coverage and suggesting the best solutions for home insurance in New York. Working with a portfolio of leading insurers, this independent agency finds the most competitive rates for each client.

With a major investment like a home, it’s important to make sure that you pick the best home insurance in Dansville, NY, keeping your family safe if the worst happens. Dwelling coverage includes your main house and attached areas like the garages or porches. Don’t forget other structures on your property, like pool-houses, sheds, fences or even driveways, which need separate insurance. This is vital for fast recovery after disaster strikes.

Getting personal

When planning your home insurance in Dansville, NY, make sure your personal property is covered. The professionals at the Genesee Valley Agency know how important belongings can be, when rebuilding your life after a major disaster such as a fire, flood or some other natural catastrophe. Many treasured keepsakes are irreplaceable, of course. But fast and easy replacements for clothing,  kitchen appliances, electronic devices and computers helps bring life back to normal more quickly.

If you need to live somewhere else temporarily because an emergency situation has left your home unfit for habitation, loss of use coverage assures your family of decent shelter until more permanent arrangements can be made. Liability coverage protects you if someone is injured on your property, or damage occurs to a rented home. Let your  GVA consultant help you decide on whether you need these protection options.

Let us guide you

With so many different insurance options, it’s hard to make a well-informed choice. So don’t leave your family’s safety and comfort to chance – instead, talk to a GVA professional at 833.781.5556 today!

Home Insurance In Arkport, NY, And The Surrounding Areas

Do You Have The Home Insurance You Need?

If you are a homeowner, chances are that you already have some sort of home insurance in Arkport, NY, and the surrounding areas. However, do you have the best coverage for your individual situation? At the Genesee Valley Agency, we work closely with our clients to evaluate and determine the best plans for each of our customers. Every home and every person is different, and they deserve a customized plan that can cater to their individual needs. When you work with our team, we identify those needs and find the coverage needed to match each and every one of them.

How Do We Do It?

At the Genesee Valley Agency, we work with many different insurance companies. This means that we are familiar with many different types of plans for home insurance in Arkport, NY, and the surrounding areas. Because of this, we can find the right fit for each individual customer. Not only can we customize plans for coverage, but we can also work closely with you to find ones that fit your budget as well! With all of this information at our fingertips, it’s no wonder that our customers are continually satisfied with the services we provide. Seeking out home insurance on your own can be a difficult task, but when you partner with the Genesee Valley Agency, we make it easy!

Call Us To Set Up An Appointment

If you want to talk to one of our insurance experts about your home insurance in Arkport, NY, and the surrounding areas, call us today! The Genesee Valley Agency is dedicated to helping our customers with all of their individual needs, so you will get a personalized experience every time you work with us. If you want to chat about signing up for the appropriate coverage, you can call us at 607-295-7431.

Is home insurance required in New York?

Whether you have purchased a house in upstate New York or have purchased a building in Manhattan, you are not required by the state of New York to obtain a home insurance policy, but your mortgage company, bank, or another lender will more than likely require it. Ultimately, it is better to have an insurance policy for your home in case of an emergency or disaster.

What Does Home Insurance Cover?

One part of a home insurance policy is dwelling coverage which will cover your house itself. This policy will pay to have your house replaced, at its current value, if it is destroyed by something, such as a fire or tornado. Once your deductible is met, your insurance policy will take over and cover the majority of costs.

Other Structures are Covered Too

Your home insurance policy can also cover other structures on your property. This would include buildings, such as your garage, shed, fences, and even gazebos and desks.

Protect the Contents

Your home insurance policy will cover the contents inside your home, including things like your appliances, furniture, and clothing. Other items, such as jewelry, certain musical instruments, and other extra items, can also be covered.

Living Expenses

If your home is damaged by a fire, tornado, or hail, your policy can cover your living expenses at a place you will have to stay at until your home is repaired or replaced temporarily. This comes in handy if you have to stay at a hotel or rent another house until your home is rebuilt and livable again.

Liability Insurance and Medical Payments Coverage

Liability insurance coverage will protect your assets and your home if someone is visiting you, is injured, and decides to file a lawsuit against you. It will also cover you if you accidentally damage someone else’s property too. If a visitor to your home is injured, a medical payment policy will cover a portion of their medical bills.

To create the best home insurance policy for you and your property, contact the home insurance agents at Genesee Valley Agency in Arkport, NY.

Accidents Happen, Be Prepared With General Liability Insurance

In the age in which we currently live, insurance is extremely important. The term insurance is a broad one which incorporates a huge variety of different coverage areas. These are meant for use in different applications and situations. If you are a business owner, drive a car or even own a home, insurance is the common denominator. The only thing that varies is the type of coverage that you will procure. General liability insurance Rochester, NY is one type of policy which offers a broad liability coverage for businesses.

Focus On Business

General liability insurance for business provides business owners with a great degree of peace of mind. This kind of insurance provides security for business owners in the event they are sued for damage to property or persons. Owning a business is not for the faint hearted to begin with. Keeping your company going in this economic age is stressful enough without having to worry about the tiniest of details. In most instances you have many employees working for you. Imagine having to focus on what each and every employee is doing each and every day. Your time is more well spent focusing on reaching targets and keeping them in a job. Accidents happen, that is an eventuality that all businesses will face at some stage. Be prepared and protect your business with general liability insurance Rochester, NY.

Home Is Where The Heart Is

While business insurance is one area, personal or home insurance is quite another. Owning a house is an investment. What you do that home over time is what creates a home. Your home will be filled with furniture, appliances and many sentimental items that are irreplaceable. At any given time your home is at risk of something going irrevocably wrong. Not a great way to see things but fact. Fire and acts of God could wreak havoc on your lifetime investment. If that happens, your home insurance Dansville, NY will have your building covered and protect the money you have invested in this property. While it may not replace those sentimental items, at least you will have the money to start anew.

Are you starting up a new business? Have you got insurance to protect you against things that could go wrong? Are you seeking home insurance at the best rates offering the coverage you need? Genesee Valley Agency is the company trusted to provide you with the correct coverage at the right price. General liability insurance Rochester, NY is definitely something that has to be undertaken. Call us to provide you with solutions that work for you 833-781-5556.

How To Get Complete Coverage With Business Insurance in Rochester, NY?

Now is the time when starting your own business seems to be the route to follow. Getting your venture off the ground is going to take time, hard work and money if you really want to be successful. Your focus is going to lie on creating a business that is fruitful and will be around for years to come. There isn’t time to worry about things that could go wrong. Every business should have business insurance Rochester, NY so that you can focus on keeping the wheels turning rather than putting our legal fires.

Genesee Valley Agency Here To Help You Skyrocket Your Business 

Genesee Valley Agency is well-known for providing solutions for both business and residential or home insurance protection. In a business where there are a number of employees, the chances of accidents occurring is increased. Business insurance general liability provides you with protection against lawsuits where your company is being sued by any person for either damage to property or to their persons. Business insurance is a broad term which offers you security in a variety of ways. Your buildings and physical assets relating to your business are protected under the umbrella of business insurance. Give one of our consultants a call today to find out the cost for business insurance that is best suited to your venture and your budget 833-781-5556. We are the company trusted to provide the best solutions for business insurance Rochester, NY.

On The Road Again

Your means of transportation, your vehicle, is something that is quite a substantial investment and one that requires thought and finance in order to achieve. On the road and even parked off, your vehicle is exposed to so many risks. Accidents can happen in the blink of an eye and theft of vehicles is something that happens on a daily basis. Taking out auto insurance in Dansville, NY is the responsible thing to do, in fact most finance houses require it before allowing you to leave the showroom. Keep that insurance active and prevent nasty surprises in the future.

In order to plan for your future, building an empire through a business is the right route to follow in a less than favorable economic environment. Hard work, blood, sweat and many tears can be expected. Protect your investments and your future with the right business insurance Rochester, NY from a company that has your back. Genesee Valley Agency is your trusted partner in insurance. Call today for solutions that work for you 833-781-5556! 

Avoid The Unexpected Business Risk Through General Liability Insurance in Rochester, NY

Even the most ordinary routines can be shaken up by unexpected events, either natural or man-made. In order to keep operations going on through tough times, general liability insurance in NY, is a must-have precaution for responsible business owners, especially when tailored to their specific needs with the help of the GVA Agency.

Minimizing the consequences

Even if some events can’t be foreseen, their consequences can be lightened through general liability insurance in Rochester, New York. This type of broad commercial coverage keeps businesses out of bankruptcy, when circumstances spiral out of control.

For small business owners – particularly for practitioners dealing with large amounts of customer data, including lawyers, architects, accountants and engineers, as well as insurance companies and tech firms – there’s a fine line between general liability and professional liability insurance. As both types of coverage may be needed in some cases, it’s a good idea to discuss your specific needs with an expert insurance broker at the GVA agency.

 General liability or professional liability?

Both are designed to protect businesses against lawsuits that could damage them beyond repair. These types of coverage help ease the financial burden caused by these legal imbroglios, minimizing the impacts of a specific claim. Some clients may require a certain amount of business or professional liability coverage before accepting a business as a vendor.

Differing by the types of risk that it covers, general liability insurance in Rochester, NY, offers protection against personal injuries or property damages caused by daily operations. In contrast, professional liability – also known Errors and Omissions (E&O) insurance – is generally focused more on financial losses rather than personal injuries or damaged assets, particularly when caused by negligence, poor judgement or carelessness related to professional, advisory or consulting services.

Both types of protection help a business survive the financial turmoil and media storms caused by these traumatic situations, particularly when related to data leaks.

Don’t forget the employees

However, with workers becoming more assertive, sexual harassment, wrongful termination and discrimination lawsuits are on the rise. As a result, farsighted employers are talking to trend-monitoring advisers (like the GVA Agency) about taking out employment practices liability policies as well as general liability insurance in Rochester, NY, in order to shield their cash flows from court awards that can reach devastatingly high amounts. In litigious times like these, responsible business owners naturally make sure that their home insurance in Danville, NY, is always up to date.

Talk to the professionals

If you’re still unsure what kind of coverage you need – business, professional, E&O or general liability insurance in Rochester, NY, contact the experts at the GVA Agency for inside advice on protecting your business against unforeseen calamities. Call us today at: 1 833 781 5556.

The future is beyond our control, but TVA agency helps you cope with consequences through the best auto insurance in Rochester, NY,

Although disasters come in all shapes and sizes, they share one characteristic: they are unexpected. But that doesn’t mean being unprepared. And the best way to ensure your own peace of mind is through taking out the best auto insurance in Rochester, New York, through the GVA Agency.

Our policy experts steer you through the complex process of weaving together the best coverage for protecting your personal means of transportation, keeping your assets safe and protecting your family. Here are a few hints on what to look for when taking out auto insurance in New York

 Comprehensive coverage

Protecting your automobile from all kinds of damage (other than collision), the GVA Agency recommends these broad-ranging policies for full peace of mind. They cover losses and damages caused by natural disasters and flying or falling objects, as well as theft, fire, vandalism, hitting an animal etc. So when unexpected damage occurs, this doesn’t wreck your budget, thanks to the best auto insurance in Rochester, NY.

Personal injury protection

Also called no-fault coverage, this kind of policy covers any economic losses – mainly medical care and loss of earnings – regardless of who was at fault or even negligent. Through the best auto insurance in Rochester, NY, it covers the driver and all passengers in your car, as well as any injured pedestrians, protecting you against personal liability.

Collision coverage

This pays for damage to your automobile resulting from a collision, a crash or overturning. With auto insurance in Danville, New York, you can afford to get your vehicle repaired after an accident without busting your budget. This kind of coverage is subject to the deductible established in your insurance policy.

Liability coverage

Should an accident occur, this protects you and anyone else driving your car with your permission. If you or another driver are found negligent or at fault, the insurance company will pay for damage to other people’s property, as well as for any injuries. Even if you are completely to blame for an accident, commercial auto insurance in New York prevents any injured parties from laying claim to your personal assets, like your home.

Uninsured / underinsured liability

The best auto insurance in Rochester, NY, coverage protects you, your family and any passengers in your automobile when involved in a hit-and-run accident or if the party at fault doesn’t have insurance. It allows you to recover from injuries caused by irresponsible drivers out on the road without the necessary insurance to protect other people from their carelessness.

Talk to the insurance professionals

Working with multiple insurance companies while remaining independent, the Genesee Valley Agency is focused on responding to the insurance needs of its clients through personalized policies that ensure adequate coverage at fair premiums, year after year. If you’d like a free quote, call us at 833 781 5556 to discuss your needs.