the MECCA AGENCY LLC   Friendly, Local Insurance Service

FLOOD


Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S. In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP.  We can help you get the coverage you need.

LONG TERM CARE


It’s difficult for working-age adults to imagine a time when they might need long term care: it seems so far off. But while many people do need this type of care as the natural result of aging, millions of Americans under the age of 65 need it as the result of a debilitating disease or injury. Many insurance carriers offer long-term care insurance which will protect you and your assets should you face a long-term care need.  Policies can be customized and have different features and benefits that you can tailor to meet your individual needs.  Kathy Mecca holds the CLTC designation  (Certified in Long Term Care) and can help you with the right decisions for your needs.

CONDOS


Condominium insurance is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.  Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss.

MOTORCYCLE


Like auto insurance you want to get back on the road quickly if your bike is damaged or destroyed by accident, fire, theft or other covered event.  We have multiple carriers that can provide you the coverage to help you do just that. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.  Stop in and let us check to see what discounts you are eligible for.

BOATS, ATVS, GOLF CARTS, DUNE BUGGIES & SNOWMOBILES


There’s no shortage of ways to get outside in upstate New York. Whether you’re hitting the trail, the links, the lakes or just the great outdoors, the last thing you want to worry about is whether your insurance policy has you protected.

The average boat insurance costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment.

Most off-road vehicles aren’t covered under your standard auto or home insurance policies, especially when you aren’t on your own property. What’s more, many national, state, or other parks require specialty vehicle riders to be properly insured.  For just a few minutes of your time and a few dollars we can have you enjoying your free time without worrying about being covered.

AUTO INSURANCE


The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We will work with you to determine the best coverage for you. Don't trust your future to a voice at the other end of the phone. Auto Insurance Review Form

HOMEOWNERS INSURANCE


Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

RENTERS INSURANCE


You have a lot of things that are important to you – from your clothes and furniture to your entertainment system, sports gear, and computer. You've acquired these things over time.  But what if you had to replace it all at once?  Don't you want to feel confident that everything you’ve worked for is not at risk? Let us help you find coverage options that protect you, your family, and your personal property. Call us at 716-992-2200 and let us help to make sure you’re properly covered.