We Pride Ourselves in Providing a VIP Insurance Experience

Visit Service CenterStart an Online Quote

Prefer to talk directly?

Call: 833-781-5556 or Email: info@gvains.com

Home

Auto

Life

Business

Genesee Valley Agency - VIP Logo 800

Get the VIP customer experience you deserve at Genesee Valley Agency.

Learn About Genesee Valley Agency

Here at Genesee Valley Agency, we are a locally-owned, family-oriented insurance agency dedicated to your insurance needs. Over the years, we have merged with other agencies and operate out of multiple offices across New York state. Our goal is to bring you the VIP experience with your insurance. We accomplish that by offering quality, value-driven solutions, prioritizing customer service, and educating you on your coverage options so you can be informed.

As an independent insurance agency, we represent over 30 different insurance companies, giving you a wide variety of choices. We do the hard work of understanding your needs, narrowing down your options, and working with you one-on-one to help you find insurance for your unique situation. Our process is simple, we search for insurance and offer you the solutions that are most valuable to you.

Learn About Us
8,500
Satisfied Clients
7
New York Offices
30
Insurance Companies

Insuring New York State

With multiple offices across New York state, we are proud to serve local families, individuals, and businesses with service and solutions to make your life and your insurance simple. Get in touch with your local Genesee Valley Agency office today!

Read Our Agency Reviews

At Genesee Valley Agency we exceed expectations.

Homepage - 17-Member Team Caricature Drawing of the Genesee Valley Agency Team

Meet Our Team

We are proud to have a team of amazing, friendly people here to help make your insurance that much easier!

Get to Know Us

The Solution to Your Insurance Needs

Genesee Valley Agency offers a variety of personal insurance and business insurance solutions to help you protect what matters most.

Getting Started With Your Insurance is Easy

Do something today that your future self will thank you for—that’s what insurance is all about. Here’s our process on making your insurance as easy as possible.

  We Analyze Your Coverage

   We Search Coverage from Our Carriers

   We Narrow Down Your Choices

   We Help You Make an Informed Decision

The Independent Agency Advantage

What makes our independent insurance agency different?

Why Go Independent?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance professionals.

An Independent Agency Gives You Options

We proudly represent Allstate, Progressive, Safeco Insurance, and more!

Home
Fire
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Medical Expenses
Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

Genesee Valley Agency - Logo 500 White

Manage Your Policies

Already a Genesee Valley Agency client? Visit our Service Center to pay a bill, request a certificate, report a claim, and more.

Visit Service Center

Hear from Our Happy Clients

See what the VIP experience is like at Genesee Valley Agency.

Let's Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact Genesee Valley Agency

Name
Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 833-781-5556 or info@gvains.com.