Personal Insurance

Auto Insurance

Auto insurance isn’t just about finding a lower premium—it’s about making sure you’re protected when something goes wrong. We help you compare options across multiple carriers to find the right balance of price, coverage, and peace of mind.

What we help you dial in

  • Liability limits that actually protect your assets

  • Collision and comprehensive coverage for your vehicle

  • Deductibles that fit your budget

  • Uninsured/underinsured motorist protection (critical in many situations)

  • Coverage for teen drivers, rideshare, or multi-car households (when applicable)

Why work with us: Instead of guessing online, you get a broker who can explain tradeoffs, shop multiple carriers, and help you make smart coverage decisions—not just pick the cheapest option.

Homeowners Insurance

Your home is usually your biggest asset—your insurance should reflect that. We help homeowners choose coverage that protects the structure, your belongings, and your liability exposure, while avoiding common gaps that can show up at claim time.

What we review with you

  • Replacement cost vs. market value (and why it matters)

  • Dwelling coverage and key endorsements

  • Personal property limits for what you actually own

  • Liability coverage for guests, pets, and everyday life

  • Deductibles and wind/hail/water considerations (varies by location)

Why it matters: Home policies aren’t all the same. The right coverage can make a huge difference when you have a major loss— and we’ll help you understand what you’re buying.

Umbrella Liability

Umbrella insurance is one of the most cost-effective ways to increase your protection. It adds an extra layer of liability coverage on top of your auto and home policies—helping protect your savings and future income if you’re involved in a serious accident or lawsuit.

Who it’s great for

  • Families with teen drivers

  • Homeowners

  • People with savings/assets to protect

  • Anyone who wants higher liability limits for peace of mind

Common scenarios

  • A serious auto accident with injuries

  • A guest is injured on your property

  • A liability claim that exceeds the limits on your underlying policy

Why we recommend it: Many households are surprised how quickly a large claim can exceed standard limits. We’ll help you choose an umbrella limit that matches your risk and lifestyle.

FAQ

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Currently Licensed in NY, FL, TN, NC, and TX.

Our Broker Advantage

We’re an independent brokerage with access to multiple carriers. That means we can shop your coverage, explain your options, and help you choose the best fit—without you having to call five different companies.

Bundling + Savings

We can often find savings by bundling auto + home, adjusting deductibles, and applying eligible discounts. Some clients can save $100+/month through better rates and bundling!

Simple process

  • Quick intake (vehicles, drivers, property info)

  • We shop multiple carriers

  • You review options with us

  • We help you switch and handle the details

  • Ongoing support at renewal and when life changes

More personal lines we can quote

  • Renters Insurance

  • Condo Insurance

  • Flood Insurance (often separate policy)

  • Motorcycle

  • Boat / Watercraft

  • RV

  • Landlord / Dwelling Fire (rental properties)

  • Valuable Items / Scheduled Personal Property (jewelry, watches, fine art)

  • Classic / Collector Auto

  • ATV / Snowmobile

  • Personal Cyber / Identity Theft

  • It typically takes us 3-5 business days to receive all quotes back from our carriers. After that, binding coverage is fairly simple. Our average timeframe is 1-2 weeks.

  • We can certainly try! While some carriers are becoming more particular with the customers they’re willing to work with, we’re usually able to find something to assist you!

  • We do that with every policy we review and quote. If we find any glaring gaps in coverage, we consider it to be our responsibility to inform you so that we can ensure you’re properly protected.

  • You provide us with your information and then we shop across our broad network of carriers in an effort to find the best options to suit your needs.

  • No fees! We are compensated by insurance carriers so we don’t need to charge any fees to our customers,

  • We simply need your current policy information (declarations pages or policy documents) and a picture of the front of your driver’s license and we’ll have everything we need to shop your insurance!

Contact us.


Office cell: (716)330-7990
Email: Admin@myershillagency.com

229 Main Street
Suite 12
Hamburg, NY 14075