HOME & PROPERTY INSURANCE
Home & Property Insurance

Homeowners Insurance
for Buffalo, Cheektowaga, Tonawanda, NY & the Surrounding Areas

In Buffalo, Cheektowaga, Tonawanda, NY, and the rest of New York State, having home insurance is not mandatory. However, in some cases it is required. It is up to the owner of the house to purchase a policy that best meets their needs. When you have a mortgage on your home, the bank invests in your property. These banks will make sure you are carrying the proper homeowners insurance while they are still linked to the title. After you pay off your mortgage, however, you can go without home insurance if you so desire.


This can be risky. If something unexpected happens to your home, for instance a fire, theft, damage from storms, you will have to pay for anything related out of your own pocket. In the care of a fire, you could be at a total loss. Without home insurance, you will have to replace everything on your own. If you are insured, and you are not at fault for the fire, then you will receive money to rebuild your life. On top of home insurance, we also provide casualty property insurance and liability home insurance to protect you in the event someone gets injured on your property.


Contact us today to begin discussing your homeowners insurance plan with one of our insurance agents and request a quote!

Why Do You Need Home Insurance?

Not having proper home insurance coverage could put you in debt for the rest of your life. At TLC Brokerage, we want to make sure you are fully protected. Unless you have purchased coverage for you home, and purchased special insurances including flood insurance, you may not be fully covered. In Cheektowaga, NY, we do not have to worry about hurricanes, landslides, and earthquakes. However, we do experience the occasional winter storm. With these winter storms come substantial amounts of snow that weight down rooftops. It is important to have quality homeowner's insurance during times like these in case of any damage that the snow causes. 

With the right property or home insurance, you’ll be able to minimize repairs, replacement costs and living expenses if something happens to your investment. Fire, wind, hail, lightning, theft—you’ll remain protected against each of these factors.

With our insurance company's skilled agents by your side, you may be able to save money if you ask about raising your homeowner's deductible. The higher you raise your deductible, the less your insurance will cost each year because you're willing to shoulder a larger portion of any claim that you file. Our trained and experienced team members can help you find the perfect coverage for you at an affordable price. Protect yourself, your family, your possessions and your house from the unknown. Contact TLC Brokerage today to learn more about our homeowners insurance plans! We are proud to provide home insurance to residents throughout the Cheektowaga and Buffalo, NY area.

Comprehensive Home Insurance Options

Homeowners Insurance

At TLC, we understand that your home may very well represent your largest investment. Keeping this in mind, we offer an array of home insurance options to best suit your space. When you’ve got TLC by your side, you won’t have to worry about exterior factors and natural disasters. We'll ensure that you’ve got the proper funding in the face of calamity.

Condominium Insurance

Condominium insurance covers all the contents of your facility as well as personal liability. Our insurance company will provide coverage for improvements and betterments to your unit, as well as loss assessment.
Home Insurance Buffalo, NY
Flood & Earthquake Insurance

These coverages are excluded by most standard homeowner policies. Even though a separate policy is required, we’ll help you remain protected against these natural disasters at an affordable rate.

Residents in the Cheektowaga, NY area living near water, including the lake or nearby rivers, should think about having flood insurance. You never know what Mother Nature is going to throw our way. There have been incidents where ice jams have built up and blocked water flow. The water would then flow into nearby neighborhoods and flood homes. Make sure you are protected against the unknown.
Rental Insurance Buffalo, NY
Home Insurance Buffalo, NY
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