Upstate New York’s Top rated
Local insurance agency
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Auto, Home, Renters, & More
MJS Insurance
serving Rochester And Upstate New York since 2020
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local Insurance coverage
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Comprehensive coverage that protects you, your passengers, your vehicle, and peace of mind on the road.
Protect your home and everything inside it with homeowners insurance designed for peace of mind.
Protect your space and belongings with renters insurance that puts your needs and priorities first.
Ride with confidence knowing your adventures are protected with motorcycle insurance tailored to you.
Navigate with peace of mind knowing your journeys are safeguarded with trusted, personalized boat insurance.
Protects vehicles like snowmobiles, golf carts, RVs, and jet skis against damage, theft, liability, and accidents, ensuring peace of mind during adventures.
Covers personal property, liability, and structural elements not covered by a master policy, offering protection against damages, theft, and certain disasters.
Protects manufactured homes from damage, theft, and liability, ensuring financial security.
Insurance FAQs
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Insurance premiums are influenced by several factors, including your age, location, credit score, driving record (for auto insurance), the value of the insured property, and your chosen coverage limits. Additional considerations include the type of coverage and deductible levels. Understanding these factors can help you make informed decisions about your insurance needs and potentially lower your premiums by maintaining a good credit score or selecting higher deductibles.
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Determining adequate coverage depends on your unique needs and the type of insurance. For home insurance, ensure your policy covers the cost to rebuild your home and replace your belongings in case of loss. For auto insurance, consider coverage that protects against vehicle damage, liability, and other potential risks based on your driving habits and location. Consult with an insurance agent to assess your assets, liabilities, and future goals, ensuring your policy provides the protection you need.
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Filing a claim can sometimes lead to an increase in your premium, particularly if it involves significant losses or fault. The impact on your premium depends on factors such as the type of claim and your policy. However, not all claims result in rate increases; minor or first-time claims may have little or no effect on your premium.
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After an accident or incident causing damage, prioritize safety and seek medical attention if necessary. Document the event by taking photos and gathering details from those involved (such as for car accidents). Notify your insurance company promptly to initiate the claims process. Keep records of all related conversations, repair or medical expenses, and relevant documents as evidence to support your claim. Following these steps helps ensure your claim is handled efficiently.
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Bundling your insurance policies—such as auto and home—could lead to significant savings while simplifying your coverage under one provider.
Some benefits of bundling policies may include:
Lower Premiums – Bundling policies could help you save significantly on your total insurance costs.
Simplified Policy Management – One provider means one point of contact, making it easier to track payments, claims, and policy details.
