Protect Your Home

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Protect Your Home & Everything Inside It 

Homeowners Insurance

Comprehensive Coverage for Your Property, Belongings & Peace of Mind


Your home isn’t just where you live—it’s where life happens. Whether you’re a first-time homeowner or have lived in your house for years, the right homeowners insurance policy ensures your home, valuables, and financial well-being are protected from the unexpected.


At Ryan Ferraro Agency, we work with top-rated providers to offer customized homeowners insurance solutions that fit your needs and budget.


  • Coverage for fire, theft, weather damage & liability
  • Flexible plans tailored to your property & lifestyle
  • Local expertise for Buffalo & Rochester homeowners

Understanding Your Homeowners Insurance Coverage

Homeowners insurance is more than just a policy—it’s your financial safety net when the unexpected happens. Here’s what your policy can include:

Dwelling Coverage

Protects the structure of your home (walls, roof, floors, built-in appliances) against damages from:


  • Fire & smoke
  • Storms, hail & wind
  • Vandalism & theft
  • Falling objects
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Pro Tip:

If your home is damaged, dwelling coverage helps pay for repairs or rebuilding based on your policy limits.

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There is a couch and a coffee table in the living room.

Personal Property Coverage

Covers your belongings inside the home, including:


  • Furniture
  • Electronics
  • Clothing
  • Appliances
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Pro Tip:

Did you know? Personal property coverage may also apply to items stolen outside of your home, such as from your car or while traveling.

Liability Protection

If someone is injured on your property or you accidentally cause damage to someone else’s property, liability coverage can help cover:


  • Medical bills
  • Legal fees
  • Property damage claims
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Example:

If a guest slips on your icy driveway and files a lawsuit, liability coverage can help with legal expenses.

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A man is holding a woman in his arms in a living room.

Additional Living Expenses (ALE) Coverage

Covers temporary living expenses if your home becomes uninhabitable due to a covered event, such as:


  • Hotel stays
  • Rental housing
  • Food & transportation
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Example:

If a fire damages your home, ALE coverage helps pay for hotel costs while repairs are made.

Specialized Add-Ons & Endorsements

Every home is unique, and so are your coverage needs. Consider adding:


  • Flood Insurance: Protection against rising water & storm surges
  • Earthquake Insurance: Coverage for seismic damage
  • Sewer Backup Coverage: Helps if water backs up into your home
  • Jewelry & Valuables Endorsement: Additional coverage for high-value items
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Need customized protection? We’ll help you tailor your policy!
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Homeowners Insurance FAQs

  • How much homeowners insurance do I need?

    Your policy should be enough to fully rebuild your home and replace your belongings in case of a total loss. We’ll help you determine the right coverage amount based on your home’s value and location.

  • Does homeowners insurance cover floods or earthquakes?

    Standard homeowners insurance does not cover flood or earthquake damage. However, you can add separate policies for these risks if you live in an area prone to them.

  • Will my homeowners insurance cover home-based businesses?

    Standard policies provide limited coverage for home businesses. If you operate a business from home, you may need additional business insurance for full protection.

  • What affects my homeowners insurance rate?

    Your premium is influenced by factors such as:


    ✔ Your home’s location

    ✔ Age & condition of the home

    ✔ Security features (alarms, locks, etc.)

    ✔ Claims history


    We’ll work with you to find the best coverage at the most competitive rate.

Ready to Protect Your Home?

Your home is one of your most valuable assets—make sure it’s protected with a comprehensive homeowners insurance policy from Ryan Ferraro Agency.

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Tailored Coverage

Plans that fit your needs & budget

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 Local Expertise

Serving Buffalo, Rochester & surrounding areas

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Top-Rated Providers

Access to multiple carriers for the best rates

Call (585) 663-1810 Today or Request a Free Quote Online!