Debra R Hamsher in Buffalo, NY

The Debra R Hamsher in Buffalo, NY provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Understanding the language of insurance policies can be difficult, which is why Debra R Hamsher focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Debra R Hamsher to fit any driver's needs in Buffalo.
  
  Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Debra R Hamsher understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
  
  To ask questions about coverage or to talk to Debra R Hamsher about other discounts you might qualify for, give our offices a call at (716) 833-1901. We are also able to make appointments for face to face consultations at our office located at 1101 Niagara Falls Blvd. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.

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• Home Insurance

  Your home is where your life takes place, so your home insurance policy should keep up with you and not the other way around. With Debra R Hamsher, we are here to help you find affordable, personalized insurance coverage to make your life a little bit easier. We tailor your policy to reflect your needs and to ultimately protect your property, assets, and loved ones if you experience a covered loss. Our team can discuss your needs, your concerns, and budget to come up with a policy that gives you greater peace of mind.
  
  In Buffalo, there are certain hazards unique to this area that can put your home at risk, and you probably already know what they are. We're also familiar with these risks and want to make sure your policy protects you if you experience one. Not only will we listen to your needs, but we'll also give you suggestions and information about our specialized products to take the hassle out of shopping for insurance. For example, with our Brand New Belongings® coverage program, you get help replacing or repairing your covered items if disaster ever strikes. Through this program, your belongings are protected up to their full value.
  
  The quality of our insurance assistance speaks for itself, and we can't wait to partner with you. Call (716) 833-1901 today to find out more about protecting your home with a personalized policy. Or, come and see us at our office located at 1101 Niagara Falls Blvd.

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• Life Insurance

  Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a Buffalo life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.
  
  The agents at Debra R Hamsher will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.
  
  Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.
  
  You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.
  
  Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call Debra R Hamsher at (716) 833-1901 or visit us at 1101 Niagara Falls Blvd. We will be happy to work with you to make sure your family’s financial security is always protected.
  
  
  LAW-0245AO (05/18)

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• Business Insurance

  As a small business owner, you need to protect your investment. Separately purchasing each type of insurance you need can be costly and time-consuming, but there is a better option. A business owner's policy, also known as a BOP, from Nationwide combines some of the most important types of insurance into one easy-to-use policy.
  
  Debra R Hamsher can help you create a BOP plan to meet your specific needs. Choose from packages designed for auto service businesses, retail businesses, food service companies, service businesses, or office companies. We can even create a custom plan based on your company's specific needs. BOP plans traditionally include property damage, general liability insurance, and income loss coverage due to an interruption, but we can also offer cyber liability, hired and non-owned auto insurance, accounts receivable, and several other options for your business.
  
  You may be wondering why you should choose a policy through Nationwide and Debra R Hamsher. Simply put, Nationwide is the number one small business insurer in the country, having had the pleasure of protecting more than 500,000 small businesses in the United States. You will even receive an annual On Your Side® Review to make sure you still have the best protection available for your needs. To learn more, call us at (716) 833-1901 or stop by our offices on 1101 Niagara Falls Blvd.
  
  Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

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The Debra R Hamsher also offers products in . Please call for information on products in those states.