Siver Insurance Agency
125 Main St, Lancaster, MA 01523
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125 Main St, Lancaster, MA 01523
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lancaster residents.
Everything Lancaster, CA residents need to know about insurance in 2025: new auto requirements, earthquake coverage, costs, and local agents.
New York requires $25,000/$50,000/$10,000 in liability coverage, $50,000 in Personal Injury Protection (PIP), and $25,000/$50,000 in uninsured motorist coverage. These minimums are higher than most states due to New York's no-fault insurance system. However, many experts recommend purchasing higher limits to adequately protect your assets, especially if you own a home in Lancaster.
New York homeowners pay an average of about $1,554 annually for home insurance, which is 55% below the national average. Your actual rate in Lancaster will depend on your home's age, size, construction type, and proximity to fire protection. Erie County's weather patterns, including heavy snow and potential flooding, can also affect your premium.
Many Lancaster homeowners should consider flood insurance, even if they're not in a designated high-risk zone. Erie County experiences flooding from spring snowmelt and heavy rainfall, and about one-third of flood insurance claims come from moderate-to-low-risk areas. Standard homeowners policies don't cover flood damage. Flood insurance costs around $1,304 annually in New York and has a 30-day waiting period before coverage begins.
Local independent agents in Lancaster offer significant advantages, especially for navigating New York's complex insurance requirements. They represent multiple carriers, understand Erie County's specific weather risks, and can advocate for you during claims. While online quotes might seem convenient, a local agent who knows Lancaster's neighborhoods and common claim scenarios can often find better coverage for comparable or even lower prices.
An umbrella policy provides additional liability coverage beyond your auto and home insurance limits, typically $1-2 million for $300-500 per year. It's particularly valuable for Lancaster homeowners with significant assets, families with teenage drivers, or anyone who could be sued for more than their underlying policy limits. Given that Lancaster's median household income is over $86,000, most families have enough assets to warrant this extra protection.
New York's no-fault system means your own auto insurance covers your medical bills and lost wages after an accident, regardless of who caused it. That's why the state requires $50,000 in Personal Injury Protection. You can still sue the at-fault driver for serious injuries, but the no-fault system handles most claims quickly without determining fault. This system typically results in faster claim payments but higher premiums than in traditional fault-based states.
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