Guide To Help New York Homeowners Find The Right Policy

Posted on June 24, 2021June 24, 2021 by admin

Bajorek Agency Inc serves the Rochester, NY community. We strive to help our clients find the coverage they need to enjoy a comfortable life. We will sit down with you and assess your needs so that you can find a policy specifically designed to protect you.

Home Insurance Guide

Home insurance helps you protect one of your most significant investments. Your Rochester, NY home is your sanctuary. It’s the place where you store your possessions and enjoy peace of mind. Home insurance covers any damage to the interior and exterior of your home. If there is significant damage to your home due to a fire or natural disaster, you can add alternative lodging coverage to your policy. Alternative lodging coverage protects you as you look for another place to stay while your home is repaired. If you have any attached structures on your property, such as a garage or shed, those are also protected through your policy.

All of your personal items inside your home are covered if they are stolen or vandalized. It’s a good idea to take inventory so that you will have a clear idea of how valuable your possessions are. If you have any rare luxury items, you’ll need to add extra coverage in order to fully protect those items if they are stolen or damaged.

Liability coverage is a significant part of your policy. Like many others, perhaps you enjoy having friends and family over to your home. If one of your guests gets hurt on your property, liability insurance will cover you. If you are doing some landscaping, and you accidentally cause damage to your neighbor’s property, liability coverage will protect you against possible legal action.

Bajorek Agency Inc Will Help You Cover Your Assets

Visit our website today to learn more information about home insurance.

Is Your New York Classic Car Underinsured?

Posted on May 28, 2021May 28, 2021 by admin

Living in the north, we’re no strangers to intense storms and natural disasters: Rochester, NY, alone, experiences blizzards, hurricanes, and flooding. The worst flooding happened in 1865, leaving one-fourth of the city underwater. Flooding and storms still occur today. Classic cars receive damage from these storms and disasters every time they happen. At Bajorek Agency Inc, we understand the need to protect the significant investment made in classic cars.

Minimum Liability Coverage Requirements

All vehicles driven in New York must carry a minimum amount of liability coverage. Coverage must include:

$10,000 property damage per accident
$25,000 bodily injury per accident
$50,000 for the death of one person involved per accident
$50,000 bodily injury for two or more people per accident
$100,000 for the death of two or more individuals per accident

Specialty Insurance Providers Navigate Nuances

General insurance providers may not specialize in all the ins and outs of classic vehicles. After damage occurs, the general insurance provider may only opt to reimburse you for the vehicle’s blue book value based on the year, make, and model. A specialty insurance provider understands the time put into these vehicles and the replacement cost of custom parts.

Three Value Levels to Understand

There are three value definitions that insurance providers use to decide the amount of payment after a damage claim is made. These values are:

blue book value
stated value
agreed-upon value

Bluebook value goes off the year, make, and model of the car, regardless of the modifications or restoration. This definition usually provides the lowest insurance payouts. The stated value is the value given by the insurance provider guidelines to start as a baseline value. The premiums may be higher or lower based on the vehicle and its modifications. Agreed-upon value offers a guaranteed minimum amount of payout when a claim is processed, which can help replace custom and hard-to-find parts.

Contact Bajorek Agency Inc

Faithfully serving Rochester NY, and the surrounding areas, Bajorek Agency Inc is happy to help you pick proper protection for your New York classic car coverage needs. Contact us today for a free quote!

3 Areas Covered By Your Motorcycle Insurance

Posted on April 26, 2021April 26, 2021 by admin

Rochester, NY is a fantastic place to call home. This area provides residents with plenty of experiences and opportunities to explore New York City and the surrounding areas. If you are down to explore the area, getting a motorcycle could be a righteous idea, but you should make sure you get motorcycle insurance from Bajorek Agency Inc. before hitting the road.

Obtaining motorcycle insurance not only gives you peace of mind while riding but covers the below areas.

Your asset

When keeping count of your assets, your motorcycle should be somewhere among the top investments you own. Why? Because you have put money on it and because your bike serves you in many ways, like running errands, exploring the city, and so forth. With this in mind, you wouldn’t want anything to damage your valued asset.

Motorcycle insurance covers damages or replacement of your bike if you are involved in an accident. Even in theft, vandalism, or fire damage, comprehensive motorcycle insurance can save the day by replacing your bike up to the policy limit.

Liability

Another important reason you need to obtain motorcycle insurance is to protect you against liabilities, which can land you in financial ruin. Accidents do happen regardless of how careful you are on the road. That said, there is always a risk that you can cause damage or bodily injury when riding your bike.

Fortunately, when you are carrying motorcycle insurance, you don’t have to cover medical costs, legal costs, and property damage costs from your pocket. Your insurance can pay for these costs up to your liability limit.

Motorcycle insurance in New York

Are you searching for motorcycle insurance? You are on the right track because you comply with New York laws and protect yourself and the bike when you carry motorcycle insurance. At Bajorek Agency Inc., we can help you get the right motorcycle coverage. All you need is to contact us today, and we shall handle the rest.

Who needs to get a life insurance plan?

Posted on March 28, 2021March 28, 2021 by admin

Those that live in the Rochester, NY area need to spend time assessing their personal insurance needs. Life insurance is a type of insurance protection that people here should consider. Those that obtain a quality life insurance plan can offer protection to those that they care about. There are several situations when someone may need this protection.

When Trying to Provide Financial Protection

A primary reason people will want to get life insurance is to provide financial protection for those they care about. If you have people in your life that you care about, it is a good idea to make sure they will be cared for if you were to pass away unexpectedly. You can build a life insurance plan that will include a death benefit that is sufficient to cover their future expenses, including costs of higher education or even fund retirement.

When Looking to New Investment Alternative

You should also consider getting a life insurance plan if you want an investment alternative. A good life insurance option for some people is to get whole life insurance. With this coverage, some of your monthly payments will go into an account that could grow in value with interest. Eventually, this will add up to a significant amount of money that you can liquidate.

If you are going to get a life insurance plan in the Rochester, NY area, it is important to speak with someone that understands this complex form of insurance. As you are looking for a new plan, it would be a good idea to call Bajorek Agency Inc. The team with Bajorek Agency Inc understands how important and valuable this coverage is. They can take a personalized approach to help you build a plan that is ideal for you.

Making Your Car Safe Before a Road Trip

Posted on February 24, 2021February 24, 2021 by admin

Road trips can be the ultimate vacation experience… as long as that experience doesn’t leave you stranded on the side of the road, far from your home near Rochester, NY. By taking some time to make sure your care is safe before you head out on your road trip, you can travel with peace of mind and a lower likelihood you’ll be stricken with car trouble along the way. At Bajorek Agency Inc, we’ve put together a list of things you can do to check over your car before your next road trip.

Fill ‘er Up

This doesn’t mean just the gas tank, either. Check your vehicle’s levels, including windshield washer fluid, oil, and tire pressure. Make sure everything is filled up before you hit the road.

Create an Emergency Kit

A car emergency kit might include flares, jumper cables, a warm blanket, a flashlight, and a well-stocked first aid kit. If you are traveling with kids or babies, be sure to include extra snacks, diapers, and formula. For people who are ahead of the game and already have an emergency kit, check to make sure it’s stocked and nothing is expired.

Get an Inspection

It doesn’t hurt to have a mechanic check over your car, particularly if you are nearing your Rochester, NY inspection date. A mechanic might notice things that need to be fixed before you hit the road.

Before you embark on your road trip, these simple steps will help your car be in tip-top shape, and of course, don’t forget about car insurance as well. If something does happen to your car while you’re on the road and you get into an accident, you’ll definitely need to pull out your insurance papers. Give us a call at Bajorek Agency Inc today if you have questions about auto insurance or would like to purchase a policy.

Can Commercial Insurance Help My Business?

Posted on January 28, 2021January 28, 2021 by admin

There are more than a few ways to invest in a business. If you are the owner of a company, one of the best moves you can make is to protect your company with business insurance, commonly referred to as commercial insurance. Here at the Bajorek Agency Inc., serving the Rochester, NY area, we’d like to help you understand just how important it is to invest in business insurance.

How Does Commercial Insurance Work?

Business insurance is available in several forms. For some, business income insurance is what comes to mind when thinking about commercial insurance. With this type of insurance, you can rest easy knowing your income is protected if something happened to your business and you can’t generate revenue.

Another type of business insurance is professional liability insurance. This type of policy is essential in helping protect your company from lawsuits and errors made by employees providing services. If you would like to see what type of commercial insurance can benefit your company, it’s vital to speak with an insurance agent who has helped other clients with their commercial insurance needs. Do keep in mind that depending on the type of business you operate, the law must be required for you to have some commercial insurance policy. An insurance agent can help you understand whether it’s required or not.

Final Thoughts

Contact the Bajorek Agency Inc., serving the Rochester, NY area, today. One of our experienced insurance agents can help you assess your exact commercial insurance needs. Once your needs are pinpointed, one of our agents can help you customize an insurance plan. Call us now!

What are the main advantages of getting home insurance in New York?

Posted on December 24, 2020December 24, 2020 by admin

People that are in the Rochester, NY area should consider purchasing their next home. When you buy a property here, you need to make sure that you get proper insurance. Several advantages come when you do choose a proper home insurance policy.

Coverage for Your Asset

One of the key benefits and advantages of receiving home insurance in this state is that you will get coverage for your asset. Your home is likely the most valuable asset that you will ever own. Due to your property’s importance and value, you need to make sure that you have properly protected with insurance. When you have a full home insurance policy here, it will give the coverage needed to repair or even replace your home.

Protection Against Liability Risk

All people have some level of personal liability risk that they need to consider when looking for insurance. When you get a full home insurance policy, it will provide you with some personal liability coverage. This type of insurance could give coverage for various scenarios that could result in a liability claim, including if a guest is hurt while they are on your property.

As you are looking for a home insurance policy in the Rochester, NY area, you will want to make sure that you get the needed guidance to understand your options fully. The team at Bajorek Agency Inc. will help you choose the right policy for your situation. When you work with Bajorek Agency Inc., you will receive personalized guidance that can help you understand your needs and options. This guide will help you choose a policy that is ideal for your situation.

Is Classic Car Insurance Part of My Auto Policy

Posted on November 28, 2020November 28, 2020 by admin

Whether you drive your classic car all the time or just once in a while, you’ll need classic car insurance. If you think this is part of your standard auto policy, think again. A classic car is an entirely different breed, according to Bajorek Agency Inc., and comes with its own insurance policy tailored to your needs. Some custom areas of your policy can include:

your choice of the repair shop (not every mechanic is skilled to work on classic cars)
roadside assistance
flatbed towing
coverage for spare parts
Lost key return
Emergency lockout assistance
and more

Benefits of Classic Car Insurance

Unlike a standard automobile, classic cars appreciate rather than depreciate. When you insure your classic car with the right insurance policy, you are protecting this valuable investment. You’ll secure a policy that covers theft, fire, damage, and more. If anything were to happen to your classic car, you could simply submit a claim to cover it. Without the proper insurance policy, however, you’re left paying for the bill out of pocket. You’ll also have peace of mind knowing that your prized possession is protected no matter what happens. And while your classic car can never really be replaced, if it were stolen or damaged beyond repair, you will receive the cash value for the vehicle and then be able to purchase a new one. Doesn’t it make sense to secure a classic car insurance policy in Rochester, NY today?

To learn more about securing a classic car insurance policy in Rochester, NY, contact the reputable team at Bajorek Agency Inc., serving the New York area. Our friendly agents are available right now to take your call and tailor a classic car insurance policy to suit your particular needs.

How can I pick a motorcycle insurance policy?

Posted on October 27, 2020October 27, 2020 by admin

When you are in the Rochester, NY area, there will be many great ways to get around town. One great mode of transportation to consider getting is a motorcycle. Those who have a motorcycle here will have a fun mode of transportation and have a safe and reliable mode of transit. If you do get this coverage, you need to make sure that you get motorcycle insurance. There are several tips to follow that can help you pick a policy.

Consider Liability Needs

One factor to consider when choosing a motorcycle insurance policy is to consider your liability insurance needs. If you do buy a motorcycle, you will have liability insurance needs to comply with state rules in New York. If you pick a motorcycle insurance policy, it can ensure that you comply with these rules and regulations.

Consider Collision and Comprehensive Needs

Another factor to think about when you are shopping for motorcycle insurance is your collision and comprehensive insurance needs. When you get a motorcycle insurance policy with full coverage, it can help ensure that you are covered if your vehicle is damaged or stolen. This insurance is needed if you have taken out a loan or have a valuable vehicle that you would like to protect.

When you are shopping for a motorcycle insurance policy in the Rochester, NY area, you should call Bajorek Agency Inc. The team at the Bajorek Agency Inc can help you better understand all of your needs and options. The team here will give you the support you need to pick a policy that will give you the appropriate coverage. They can do this by assessing your needs to help you pick a policy.

Three of the most common types of life insurance

Posted on September 29, 2020September 29, 2020 by admin

Life insurance is essential for anyone with loved ones in their lives who depend on them financially. At Bajorek Agency Inc., we can help you find the right life insurance solution in Rochester, NY.

One thing you need to do to find the right life insurance product is to understand the various types of life insurance. The following are three of the most common types of life insurance.

Term life insurance

Term life insurance is a highly popular and practical type of life insurance. If you have a young family, term life insurance may be the best option for your needs.

With term life insurance, you enjoy coverage for a certain length of time. This is a temporary type of life insurance coverage. Your beneficiaries will receive a death benefit if you pass away within the insurance policy term.

Term life insurance is generally the most affordable option when it comes to life insurance. However, it’s important to note that a term life insurance policy won’t build up cash value over time.

Whole life insurance

Whole life insurance is a type of permanent life insurance. In theory, a whole life insurance policy will last the rest of your life. Your policy will not only provide a death benefit if you pass away but will also accumulate cash value over time. Therefore, the money you put toward your policy builds up your savings.

Universal life insurance

Like whole life insurance, universal life insurance is another type of permanent life insurance. However, a universal life insurance policy may not accumulate cash value like a whole life insurance policy.

Are you ready to purchase a life insurance policy? We can help at Bajorek Agency Inc. Get in touch with us for assistance when it comes to your life insurance needs in Rochester, NY.

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The Facts About New York Auto Insurance