Homeowners & Renters Insurance

We want you to be a properly insured and satisfied customer. To accomplish this, we employ the best agents and we have selected the best homeowners insurance companies with excellent financial standings. This combination provides you with the most ideal coverage to protect your assets while providing you with the lowest price available among our companies. You can be confident that both Wlos Insurance Agency and your carrier will be there if you experience a loss.

Don't spend your time searching all over the internet for home, condo, mobile or renters insurance throughout New York, just contact us and we will provide you with a free quote. Combine your auto and homeowners insurance policies with us and save even more!

Below you can read general information about New York homeowners insurance and find out how to lower the cost of your home insurance.

About Home Insurance
Owners need insurance to protect their home (the house itself and any buildings on the property) and personal property (the contents of your home) and renters need insurance to protect their personal property. Homeowners insurance also protects against liabilities such as someone being injured on your property.

Homeowners Questions & Answers

I rent, why do I need renters insurance?
Renters often slip under the radar as there is no one to tell them they need it (such as with a mortgage company when financing a home). There is also a misconception that the landowners insurance will cover everything. While the landowner may (or may not) have coverage for the building and perhaps their own contents, they do not have coverage for your contents. Fortunately because you are only insuring your contents, the cost of renters insurance is very low.

How much do I need?
This in part may be determined by your mortgage company (when applicable). We assist you in establishing the value of your personal property as well as the value of your home and any liability coverage you should have.

What is covered?
This varies based on the coverage you choose. There are many optional coverages which you should consider when obtaining homeowners insurance, such as: water back up/sump pump overflow, flood, refrigerated products, open peril contents, tree debris removal, business property, jewelry, furs, silver plated ware and computers, just to name a few.

Do I have enough insurance coverage?
The amount of coverage that you need changes often. You could have a capital improvement such as adding a new deck, finishing your basement or adding a new garage. Then there are personal property items such as a new computer, perhaps a new jewelry purchase or inheritance of some antiques. Even without these material increases, the cost of rebuilding your home goes up each year, which if left unaddressed can leave you significantly under insured. We recommend that you contact us whenever you have made a significant addition to your home or property so that we can review your coverage and make sure you are properly covered.

My homeowners insurance is escrow billed. If I go with you, how do I cancel my old policy?
Although your mortgage company pays your homeowners insurance via your escrow payments, you still own the policy just as if you paid the company directly. We will set up your new policy to be submitted to your mortgage holder and handle canceling your old policy. Annually your mortgage company will review the amount you pay into your escrow account so that any increase or decrease in premium will be refunded or billed at that time (this may be handled differently by your mortgage holder, please check with them to be sure).

Is my jewelry covered?
Not always. You should contact your agent for clarification. It is recommended that you Schedule your valuable items to be sure you have adequate coverage.

Do I need flood insurance?
Yes. Standard home insurance policies do not cover flood damage. We can help you with application forms for flood coverage. If your home is located in a flood plain, your lender should require flood insurance. Just because your home is not in a designated flood plain, don’t assume you will never have flood damage.

Can I get a discout?
There are many discounts offered on homeowners policies, a few of them are: multi-policy discount, alarm system credits (full & partial), new home credit, automatic sprinklers (full & partial), smoke detector credit, year of construction credit, non-smoker credit, dead bolts, loss-free discount, higher deductibles, 50+ discount, new home purchase, condo association credit, and prior insurance discount just to name a few.

Located in Cheektowaga, New York, our customers are largely located in the Greater Western New York area, (Akron, Amherst, Angola, Boston, Brant, Buffalo, Cambria, Cheektowaga, Clarence, Depew, E Aurora, Eden, Elma, Grand Island, Hamburg, Holland, Kenmore, Lancaster, Lewiston, Lockport, Middleport, Newfane, Newstead, Niagara Falls, North Collins, N Tonawanda, Orchard Park, Pendleton, Rochester, Snyder, Springville, Tonawanda, West Seneca, Wheatfield, Williamsville, Wilson, Youngstown).

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