• Additional Coverage Options

    Smart added protection. One-stop shopping. Insurance zen

    To learn more about your insurance options, contact our customer service team
  • Umbrella Liability Coverage – sheltering your savings

    Some liability claims have the potential to exceed standard insurance policy limits. For example, if you are found liable for a motor vehicle accident, you could be hit with a million dollar lawsuit. If your underlying auto insurance policy has a $500,000 limit, you could be personally responsible for the remaining judgment … unless you have an umbrella policy. Umbrella liability coverage works with other personal insurance policies to provide an added layer of protection.
  • Valuable Items Coverage – protecting your prized possessions

    If you own valuable jewelry, artwork, antiques, firearms or other expensive items, it’s a good idea to secure additional Valuable Items Coverage. While standard homeowners policies provide some protection, the limits might not be adequate to cover the value of your collection. Take a written inventory of the items you’d like to insure and their estimated replacement values. Your agent can then help you determine the type and amount of coverage needed.
  • Watercraft and Recreational Vehicle Insurance – taking care of your toys

    If you own a boat, jet skis or other recreational vehicles, ask your agent about our Watercraft and Recreational Vehicle Insurance. This specialized coverage takes care of your toys with added protection not available in standard auto or homeowners policies.
  • Flood Insurance – preparing for Mother Nature

    If you live in a coastal region or an area potentially impacted by flooding, ask your agent about Flood Insurance. This added protection is available for homeowners, renters and condo owners/renters who want to protect their property from loss due to flooding.
  • Landlord Insurance – insuring your investments

    Landlords need more coverage than typical homeowners policies offer. If you own rental properties (from single-family homes up to four-family rental units), we can help you protect your investment against loss of rental income, property damage and liability.

INVESTMENTS AND INSURANCE: Are not deposits • Are not FDIC insured • Are not guaranteed by the Bank • May go down in value • Are not insured by any Federal Government Agency  

Risk management and insurance products are offered through First Niagara Risk Management, Inc., doing business as First Niagara Insurance Agency, a wholly-owned subsidiary of First Niagara Bank, N.A., and a licensed insurance broker and agent. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.

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