FAQ
Auto Insurance FAQs
What type of auto insurance do I need in New York?
New York requires minimum liability coverage, but many drivers choose higher limits for better protection. Tripoint Agency helps you compare options so you can choose coverage that fits your needs and budget—without guaranteeing any specific outcome or coverage applicability.
Does my auto policy cover other drivers using my car?
In most cases, permissioned drivers may be covered, but policies differ. We help you understand how your policy handles additional or occasional drivers.
Can Tripoint Agency help me save money on car insurance?
We work with multiple carriers across New York to help locate competitive rates and coverage options for drivers in Lancaster, Erie County, and WNY.
Homeowners Insurance FAQs
What does a homeowners insurance policy usually cover?
Most policies include dwelling, personal property, personal liability, medical payments, and additional living expense coverage. Coverage can vary by insurer, and we help you understand your options clearly.
Do I need replacement cost coverage?
Many homeowners prefer replacement cost because it helps protect against the rising costs of materials and labor. We can explain the difference between ACV and replacement cost so you can choose what’s right for you.
Can I get homeowners insurance if my home has older electrical, plumbing, or roofing?
Yes—many homes in WNY do. Some carriers have requirements based on age and condition. We help review options that fit older or updated homes.
Renters & Condo Insurance FAQs
Why do renters need insurance?
Renters insurance protects your belongings and offers personal liability protection. It’s affordable and often required by landlords in New York.
What does condo insurance cover vs. what the HOA covers?
Typically, the HOA covers the building structure; your condo policy helps protect interior upgrades, personal property, and personal liability. We help review HOA bylaws to identify coverage gaps.
Landlord Insurance FAQs
What’s the difference between homeowners and landlord insurance?
Landlord policies are designed for rental properties and typically include property coverage, liability, and optional loss-of-rent coverage. We help landlords throughout Erie, Niagara, and Monroe counties understand what protections may be important.
Umbrella Insurance FAQs
Why do people buy umbrella insurance?
Umbrella policies offer an extra layer of liability protection above your auto, home, or landlord policy limits. They’re popular with homeowners, landlords, and business owners looking for additional protection.
Specialty Vehicle Insurance FAQs (Motorcycle, Boat, RV, ATV)
Does motorcycle insurance work the same as auto insurance?
There are similarities, but motorcycle policies have unique options like accessory coverage and seasonal usage. We help riders find competitive rates that match how they ride.
Is my boat or jet ski covered under my homeowners policy?
Most homeowners policies offer limited or no coverage for boats. Dedicated boat insurance is usually recommended.
Do I need insurance for an ATV or UTV?
In New York, insurance may be required depending on where you ride. Tripoint Agency helps you understand your options for trails, private land, and road use.
RV Insurance FAQs
Is an RV insured like a car or like a home?
An RV can have auto-style coverage (for driving) and optional “home-style” protections (personal property, vacation liability). We help you choose coverage that matches how you use your RV.
Business / Commercial Insurance FAQs
What types of businesses does Tripoint Agency insure?
We work with small businesses across WNY and New York State, including contractors, retail shops, landlords, restaurants, offices, and service professionals.
Do you offer Workers’ Compensation and Disability/PFL?
Yes — we can help with WC, NYS Disability, Paid Family Leave, general liability, commercial auto, BOPs, and more.
What information do I need for a business insurance quote?
Common items include:
- Business location
- Revenue
- Number of employees
- Prior insurance history
- Description of operations: We help make the process simple and clear.
General Tripoint Agency FAQs
Do you charge a fee for insurance quotes?
No — quotes and consultations are always free.
What areas do you serve?
We proudly serve:
- Lancaster
- Erie County
- Niagara County
- Monroe County
- All of Western New York
- All of New York State
How does Tripoint Agency choose an insurance carrier for me?
We compare multiple reputable carriers to help match your coverage needs with competitive pricing—always with transparency and no pressure.
Can I switch insurance companies mid-term?
Absolutely! We can help review whether switching makes sense based on timing, refunds, and your renewal date. We will even take care of cancelling your prior policy and getting a return of any unused premiums already paid!