HOME INSURANCE
Home Insurance

Home Insurance 
in the Lancaster, Orchard Park & Hamburg, NY Area

Theft, fire, and weather damage: these are some of the things that can happen at any moment on any given day. We know that natural disasters happen, trees get blown on top of roofs causing major damage, intruders break into homes stealing valuable belongings, and electrical fires can spread throughout the house quickly. 

We know that there is only so much you can do to protect your home and family. At Selk Family & Business Insurance, we know what we can do to further protect your home, finances, and peace of mind should one of -or anything like- these incidents occur. 
A person is holding a small house in their hands.

Steps to File A Home Insurance Claim

When you need to file a claim, it is important to remain calm throughout the entire process. Every insurance company is different but here are a few general steps:
  1. Stay Safe. When filing a claim, it is important that you are out of danger and are in a safe location.

  2. Limit The Damage. If you can, try to limit the damage by gathering your valuable items.

  3. Notify Insurance Agent. Contact your insurance agent as soon as possible for more information and the necessary steps to take.

  4. Make A List. Try to make a list of what you know was destroyed or damaged so you can reference it easily.

  5. Keep Everything. Be sure to keep all documentation, receipts, and notes throughout the entire process.
Along with these steps, it is also a good idea to be prepared before any accident by taking an inventory of your belongings, keep important documents in a fire proof safe, record serial numbers for appliances and keep records of upgrades made to your home. 

We'll Help You Find the Perfect Home Insurance

Selk Family & Business Insurance offers all kinds of home insurance policies through different companies, such as Progressive, 21st Century Insurance, and Foremost Insurance to name a few. We will work with you to find the best policy that covers all your needs. Our agents will help you find a policy with the best coverage for the lowest premium. 

With home insurance, you can protect your home from the inside out, giving you and your family the peace of mind you deserve. Call us for a quote today! We offer our policies to the West Seneca, Orchard Park, Lancaster, and Hamburg, NY areas.

We also offer competitive rates on auto insurance and business insurance. By comparing rates of of some of the top insurance providers we can give you the best rates possible. We will also tailor the coverage specific to you or your business's needs. 

Common Home Insurance Terms

Agent - the person who sells, services, or negotiates home insurance policies either on behalf of a company or independently.

Appraisal - an estimate of value.

Claim - Request by a policyholder or third party from a home insurance company for compensation of losses that are covered by insurance.

Deductible - The amount that a policyholder agrees to pay before the insurance company compensates any losses. In addition to the standard deductible, there can be different deductibles for different types of losses such as snow, earthquake, wind, hurricane, hail, all-peril, and comprehensive.

Liability coverage - Coverage for bodily injury or property damage to others for which you are held liable.

Policyholder - The person or entity specifically identified as the named insured in an insurance policy, sometimes also referred to as the named insured.

For more insurance terms visit the National Association of Insurance Commissioners website. 
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