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INSURANCE SERVICES
(Click Subcategory Below to Go Directly to Specific Listings Details)
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AUTO INSURANCE
(e.g., Liability, Personal Injury, Medical Payments, Uninsured Motorist,
Underinsured Motorist, Collision, Comprehensive, Gap, etc.)
Auto Insurance can help pay claims if you injure or damage someone else's property in a car accident, help pay for
accident-related repairs on your vehicle, or repair or replace your vehicle if stolen, vandalized, or damaged by a natural disaster.
* Powell Insurance Agency * |
Business or Organization
Information & Logo |
Introduction - Promotion |
POWELL
INSURANCE AGENCY
a.k.a.
TERRY POWELL
INSURANCE AGENCY, INC.
220 Phoenix Mills Plaza
Victor, NY 14564
(585) 742-3333
(585) 742-3334 (fax)
Website
On Facebook
Participant Page
GET STARTED...
|
Welcome to
POWELL
INSURANCE AGENCY
Saving money is a vital concern in these challenging
times but often the temptation to cut coverage to save
money can lead to significant financial risk. It is
important that you find the best possible rate for your
auto, home, or business insurance policy without
sacrificing coverage. Luckily, it is much easier to find
a great rate for insurance now than ever before.
Many people are tempted to go to a company
online & attempt to shop for insurance themselves.
However, there are downfalls in working directly
with insurance companies. In many cases,
insurance customers do not understand what
type of coverage they need as insurance is more
complicated than many understand. Often people
take the lowest possible rate, without looking into
the repercussions of that decision. Saving money
can be great until you have a claim and realize
you do not have the coverage you need.
Because of this, working with an independent
agency is a superior way to obtain insurance.
Working with an independent insurance agent
offers severage distinct advantages, particularly
in terms of choice, personalized service & expert
guidance. Here is a breakdown of the key benefits:
ACCESS TO MULTIPLE INSURERS
Unlike captive agents who represent a single
insurance company, independent agents work with
a variety of insurers. This allows them to shop around
and find the best coverage and rates for your specific
needs. This means you get a wider range of policy
options, increasing the likelihood of finding a plan
that fits your budget and requirements.
UNBIASED ADVICE
Because they are not tied to a single company,
independent agents can provide impartial advice.
Their primary focus is on finding the right policy for
you, not pushing a particular company's products.
PERSONALIZED SERVICE
Independent agents often provide more
personalized service. They take the time to
understand your unique circumstances and tailor
insurance solutions accordingly. Many independent
agents are local to your area, meaning they
understand the specific risks in your region.
EXPERT GUIDANCE
Insurance can be complex, and independent
agents can help you navigate the intricacies of
different policies. They can explain coverage
options, answer your questions, and help you
make informed decisions. They can also help you
understand the fine print of insurance policies.
ADVOCACY
In the event of a claim, an independent agent can
act as your advocate, helping you navigate the claims
process and ensuring you receive fair treatment.
We represent over twenty-five carriers, and we look
forward to working with you to get you the lowest
rates while taking the time to educate you so that
you can make an informed decision. |
| Go to Top |
BUSINESS & COMMERCIAL
PROPERTY INSURANCE
(e.g., General Liability, Business Income, Professional Liability, Workers' Compensation,
Data Breach, Commercial Umbrella, Commercial Auto, etc.)
Business Insurance - If you run a business, various risks could impact its operations and financial stability. From potential lawsuits to
property damage, having the right coverage can safeguard your assets and keep your business thriving despite unforeseen challenges.
Commercial Property Insurance - This policy protects your business’ physical assets—including buildings, equipment, inventory, and
furniture—against risks like fire, theft, and natural disasters. Coverage can vary based on your terms and the value of your property.
* Powell Insurance Agency * |
Business or Organization
Information & Logo |
Introduction - Promotion |
POWELL
INSURANCE AGENCY
a.k.a.
TERRY POWELL
INSURANCE AGENCY, INC.
220 Phoenix Mills Plaza
Victor, NY 14564
(585) 742-3333
(585) 742-3334 (fax)
Website
On Facebook
Participant Page
GET STARTED...
|
Welcome to
POWELL
INSURANCE AGENCY
Saving money is a vital concern in these challenging
times but often the temptation to cut coverage to save
money can lead to significant financial risk. It is
important that you find the best possible rate for your
auto, home, or business insurance policy without
sacrificing coverage. Luckily, it is much easier to find
a great rate for insurance now than ever before.
Many people are tempted to go to a company
online & attempt to shop for insurance themselves.
However, there are downfalls in working directly
with insurance companies. In many cases,
insurance customers do not understand what
type of coverage they need as insurance is more
complicated than many understand. Often people
take the lowest possible rate, without looking into
the repercussions of that decision. Saving money
can be great until you have a claim and realize
you do not have the coverage you need.
Because of this, working with an independent
agency is a superior way to obtain insurance.
Working with an independent insurance agent
offers severage distinct advantages, particularly
in terms of choice, personalized service & expert
guidance. Here is a breakdown of the key benefits:
ACCESS TO MULTIPLE INSURERS
Unlike captive agents who represent a single
insurance company, independent agents work with
a variety of insurers. This allows them to shop around
and find the best coverage and rates for your specific
needs. This means you get a wider range of policy
options, increasing the likelihood of finding a plan
that fits your budget and requirements.
UNBIASED ADVICE
Because they are not tied to a single company,
independent agents can provide impartial advice.
Their primary focus is on finding the right policy for
you, not pushing a particular company's products.
PERSONALIZED SERVICE
Independent agents often provide more
personalized service. They take the time to
understand your unique circumstances and tailor
insurance solutions accordingly. Many independent
agents are local to your area, meaning they
understand the specific risks in your region.
EXPERT GUIDANCE
Insurance can be complex, and independent
agents can help you navigate the intricacies of
different policies. They can explain coverage
options, answer your questions, and help you
make informed decisions. They can also help you
understand the fine print of insurance policies.
ADVOCACY
In the event of a claim, an independent agent can
act as your advocate, helping you navigate the claims
process and ensuring you receive fair treatment.
We represent over twenty-five carriers, and we look
forward to working with you to get you the lowest
rates while taking the time to educate you so that
you can make an informed decision. |
| Go to Top |
HEALTH INSURANCE
Medical, Dental, Vision & Medicare & Medicaid
Medicare - Parts A: Hospital Insurance, B: Medical Insurance,
C: Medicare Advantage & D: Prescription Drug Coverage
Medicaid - ABD: Aged, Blind & Disabled, HCBS: Home & Community-Based Service,
& Institutional/LTC: Long-Term Care Coverage
Health Insurance, generally, helps cover routine & emergency medical care costs, often with the option to add vision & dental services, separately.
In addition to an annual deductible, you may also pay co-pays & co-insurance, which are your fixed payments or percentage of a covered
medical benefit after meeting the deductible. However, many preventive services may be covered for free before these are met.
Medicare is federal health insurance for people 65 or older, and some people under 65 with certain disabilities or conditions
- it has set standards for costs & coverage (a person’s coverage will be the same no matter what state they live in).
Medicaid is a joint federal & state program that helps cover medical costs for some people with limited income & resources
- and offers benefits that Medicare doesn’t normally cover, like nursing home & personal care services.
* InsurHelp * |
Business or Organization
Information & Logo |
Introduction - Promotion |
INSURHELP
MEET YOUR LOCAL
NYS LICENSED AGENT
220 Phoenix Mills Plaza
Victor, NY 14564
Website
On Facebook
________________________________________
a Medicare Insurance affiliate of
 |
INSURHELP
We are proud to have helped hundreds of our
community members understand their health
insurance options - specializing in Medicare
benefits, options, and ways to save.
WHAT IS MEDICARE?
Medicare is a federal health insurance program for:
People age 65 or older
People younger than 65 with qualifying disabilities; or,
People of any age with End-Stage Renal Disease (ESRD)
(permanent kidney failure requiring dialysis or a kidney transplant)
MEDICARE HAS FOUR (4) PARTS
PART A
HOSPITAL INSURANCE
inpatient care in hospitals;
skilled nursing facility care;
hospice care
home health care;
and
part of Original Medicare |
PART B
MEDICAL INSURANCE
services from doctors
& other health care providers;
outpatient care;
home health care;
durable medical equipment;
many preventative services;
and
part of Original Medicare |
PART C
MEDICARE ADVANTAGE
all benefits & services
under Medicare Parts A & B;
usually includes Medicare
prescription drug coverage
(Part D);
run by Medicare-approved
private insurance companies;
have yearly limit on your
out-of-pocket costs for
covered medical services;
and
may include additional
benefits or services
not covered by
Original Medicare |
PART D
PRESCRIPTION DRUG
COVERAGE
helps cover the cost
of prescription drugs;
run by Medicare-approved
drug plans;
and
may help lower your
prescription drug costs |
Medicare is not a one-size fits all solution.
Factors such as where you live, income, health,
prescriptions, and traveling need to be accounted
for. Plan selection is a personal process & what
fits the needs of one person may not fit the needs
of another. Most plans change on an annual basis
It is important to keep up with these changes and
avoid any surprises when you hand the hospital or
doctor's office your insurance care. There is no
best insurance carrier or best plan. We will help
you make the best choice, answer questions, and
be there when you need us. We are also a
licensed broker for the New York State of Health.
FIND THE PLAN FOR YOU...
We Make Choosing a Plan Simple. |
| Go to Top |
HOME & PERSONAL
PROPERTY INSURANCE
(e.g., Basic, Broad Form, Special, Comprehensive - - Homeowner, Renter,
Condo/Co-Op, Landlord, Manufactured/Mobile Home, Flood, Earthquake, etc.)
Homeowners' Insurance protects your home, other property structures, and personal possessions against natural disasters,
unexpected damage, theft, and vandalism. Homeowners' Insurance won't cover floods or earthquakes, which you'll have to protect against separately.
* Powell Insurance Agency * |
Business or Organization
Information & Logo |
Introduction - Promotion |
POWELL
INSURANCE AGENCY
a.k.a.
TERRY POWELL
INSURANCE AGENCY, INC.
220 Phoenix Mills Plaza
Victor, NY 14564
(585) 742-3333
(585) 742-3334 (fax)
Website
On Facebook
Participant Page
GET STARTED...
|
Welcome to
POWELL
INSURANCE AGENCY
Saving money is a vital concern in these challenging
times but often the temptation to cut coverage to save
money can lead to significant financial risk. It is
important that you find the best possible rate for your
auto, home, or business insurance policy without
sacrificing coverage. Luckily, it is much easier to find
a great rate for insurance now than ever before.
Many people are tempted to go to a company
online & attempt to shop for insurance themselves.
However, there are downfalls in working directly
with insurance companies. In many cases,
insurance customers do not understand what
type of coverage they need as insurance is more
complicated than many understand. Often people
take the lowest possible rate, without looking into
the repercussions of that decision. Saving money
can be great until you have a claim and realize
you do not have the coverage you need.
Because of this, working with an independent
agency is a superior way to obtain insurance.
Working with an independent insurance agent
offers severage distinct advantages, particularly
in terms of choice, personalized service & expert
guidance. Here is a breakdown of the key benefits:
ACCESS TO MULTIPLE INSURERS
Unlike captive agents who represent a single
insurance company, independent agents work with
a variety of insurers. This allows them to shop around
and find the best coverage and rates for your specific
needs. This means you get a wider range of policy
options, increasing the likelihood of finding a plan
that fits your budget and requirements.
UNBIASED ADVICE
Because they are not tied to a single company,
independent agents can provide impartial advice.
Their primary focus is on finding the right policy for
you, not pushing a particular company's products.
PERSONALIZED SERVICE
Independent agents often provide more
personalized service. They take the time to
understand your unique circumstances and tailor
insurance solutions accordingly. Many independent
agents are local to your area, meaning they
understand the specific risks in your region.
EXPERT GUIDANCE
Insurance can be complex, and independent
agents can help you navigate the intricacies of
different policies. They can explain coverage
options, answer your questions, and help you
make informed decisions. They can also help you
understand the fine print of insurance policies.
ADVOCACY
In the event of a claim, an independent agent can
act as your advocate, helping you navigate the claims
process and ensuring you receive fair treatment.
We represent over twenty-five carriers, and we look
forward to working with you to get you the lowest
rates while taking the time to educate you so that
you can make an informed decision. |
| Go to Top |
LIFE INSURANCE
(e.g., Term-Life, Whole/Permanent Life, Universal Life, Variable Life, Burial Life, etc.)
Life Insurance policies guaranty that the insurer pays a sum of money to your beneficiaries (such as a spouse or children if you die. In exchange, you pay
premiums during your lifetime. There are two (2) main types of Life Insurance. Term-Life insurance covers you for a specific period, such as 10 to 20 years.
If you die during that period, your beneficiaries receive a payment. Permanent Life Insurance covers your whole life as long as you continue paying the premiums.
* InsurHelp * |
Business or Organization
Information & Logo |
Introduction - Promotion |
INSURHELP
MEET YOUR LOCAL
NYS LICENSED AGENT
220 Phoenix Mills Plaza
Victor, NY 14564
Website
On Facebook
________________________________________
a Medicare Insurance affiliate of
|
INSURHELP
We are proud to have helped hundreds of our
community members understand their health
insurance options - specializing in Medicare
benefits, options, and ways to save.
WHAT IS MEDICARE?
Medicare is a federal health insurance program for:
People age 65 or older
People younger than 65 with qualifying disabilities; or,
People of any age with End-Stage Renal Disease (ESRD)
(permanent kidney failure requiring dialysis or a kidney transplant)
MEDICARE HAS FOUR (4) PARTS
PART A
HOSPITAL INSURANCE
inpatient care in hospitals;
skilled nursing facility care;
hospice care
home health care;
and
part of Original Medicare |
PART B
MEDICAL INSURANCE
services from doctors
& other health care providers;
outpatient care;
home health care;
durable medical equipment;
many preventative services;
and
part of Original Medicare |
PART C
MEDICARE ADVANTAGE
all benefits & services
under Medicare Parts A & B;
usually includes Medicare
prescription drug coverage
(Part D);
run by Medicare-approved
private insurance companies;
have yearly limit on your
out-of-pocket costs for
covered medical services;
and
may include additional
benefits or services
not covered by
Original Medicare |
PART D
PRESCRIPTION DRUG
COVERAGE
helps cover the cost
of prescription drugs;
run by Medicare-approved
drug plans;
and
may help lower your
prescription drug costs |
Medicare is not a one-size fits all solution.
Factors such as where you live, income, health,
prescriptions, and traveling need to be accounted
for. Plan selection is a personal process & what
fits the needs of one person may not fit the needs
of another. Most plans change on an annual basis
It is important to keep up with these changes and
avoid any surprises when you hand the hospital or
doctor's office your insurance care. There is no
best insurance carrier or best plan. We will help
you make the best choice, answer questions, and
be there when you need us. We are also a
licensed broker for the New York State of Health.
FIND THE PLAN FOR YOU...
We Make Choosing a Plan Simple. |
| Go to Top |
SPECIALIZED INSURANCES
(e.g., Boat, Disability, Pet, Travel, Umbrella, etc.)
Specialized Insurance policies provide targeted coverage for unique situations and assets that standard policies may not adequately protect.
|
| Go to Top |
As of our October 8, 2024 update, we have only contacted about 40 businesses and organizations directly,
resulting in just over 20 listings thus far. Our goal by this time next year is to have the most accurate
and comprehensive destinations directory in and for Victor, NY . . . and this is only the beginning!
Please consider listing with us and/or sharing about us with your family and friends; and, of course,
we hope you enjoy browsing all of the great destinations that can be found here as we continue
to enhance, grow and complete our hometown destinations directory.
Thanks for allowing us to be of service to you in finding all of your Victor, NY destinations!
Destination Victor NY |
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