Protecting one of your biggest investments.
Why Choose Weed Ross For Your Homeowners Insurance?
Not all home insurance policies are created equal. The Weed Ross Group understands that every home is unique, and that each homeowner faces a distinct set of potential challenges. We work with you to customize your policy and provide you with the optimal coverage to best fit your needs.
We’d all prefer a world with no crazy incidents, but hey, things happen. And when they do, the Weed Ross Group takes pride in handling your homeowners insurance claims in a simple and timely manner. Processing a claim efficiently is our chance to earn your trust and appreciation—your experience matters.
Our president, Sean Cornelius, is a former insurance adjuster—he’s been around the block. Sean saw the devastation from severe snowstorms, hurricanes, tornadoes, fires, and water losses first-hand. Our goal here at the Weed Ross Group is to ensure that your home is properly insured if and when disaster strikes.
#1 Home Insurance in Western New York.
What Is Home Insurance?
Home insurance is a specific type of property insurance designed to cover losses and damages from incidents in, around, or related to your home. A standard homeowners policy will also provide liability coverage against these types of accidents, which means you’re also protected if someone else tries to find you legally responsible for something that happened to them. Additionally, it’s important to point out that homeowners insurance is different from mortgage insurance, business insurance, home warranties, renters insurance, and even secondary/vacation home insurance.
What does home insurance cover?
Home insurance covers quite a bit. The short and simple answer: homeowners insurance protects your home. The longer version: you can customize your home insurance package to fit your specific risks, needs, and lifestyle. Home insurance covers the physical structure of your home, and can protect it against weather-related damage or destruction. Home insurance can also protect the ancillary parts of your home, such as driveways, sheds, fences, and more.
While this list goes on and on, homeowners coverage can basically be broken down into four categories: interior damage, exterior damage, loss of assets or belongings, and injuries on the premises. But no matter how you look at it, we got your back.
Do I need home insurance?
Home insurance is almost always required by the mortgage lender, with very few exceptions. State regulation may not legally require home insurance, but for the most part, it’s a necessity to facilitate a mortgage loan. Additionally, homeowners insurance provides benefits that you won’t exactly want to miss out on, given the size and importance of the investment—shelter is one of our most fundamental rights as humans, after all. At the Weed Ross Group, we like to think of it as a financial shield to defend you against the unpredictable but inevitable accidents of day-to-day life.
Are there different types of home insurance?
Home insurance policies, like homes, come in all different shapes and sizes. Depending on your specific scenario, you may be looking at a couple of different types. But no worries—this is what we’re here for. However, as a quick and basic breakdown, home insurance is typically classified into eight different policy types, and some are more common and relevant than others.
The different types of homeowners insurance are:
- HO-1: a basic/limited coverage for single family homes
- HO-2: a commonly used policy with slight upgrades in coverages compared to HO-1
- HO-3: the most popular type of homeowners insurance with very broad coverage
- HO-4: a homeowners insurance for renters
- HO-5: an all-encompassing home insurance policy, the most comprehensive
- HO-6: a homeowners insurance designed for condos
- HO-7: a type of home insurance for mobile/manufactured homes
- HO-8: homeowners insurance specially formatted for homes that don’t meet certain standards
How much does home insurance cost?
Like any insurance policy, the cost homeo insurance will depend on a variety of factors. Policy premiums are based on things like the size of the home, the estimated cost to rebuild, the likelihood of weather damage, the type of materials used to build the home, and more. But, as with auto insurance, you can also take several steps to reduce the cost of your home insurance. Having sufficient burglar alarm systems, smoke detectors, sprinkler systems, locks, carbon monoxide detectors, or fire extinguishers can often help to reduce costs. Estimating the cost of your homeowners insurance is easiest with our automated quoting process.