Buffalo has 276,854 residents in 119,630 households. We list 11 agencies for home insurance in Buffalo. Here is what the local numbers say about the cover people here need.

Buffalo at a glance

11home insurance agencies listed
57%of households rentRenters insurance
$164,200median home valueHome insurance
1938median year homes were builtRebuild cost calculator
22.6%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Erie County

FEMA rates the overall natural hazard risk in Erie County, where most Buffalo agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in New York
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Buffalo
Ice stormRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Buffalo

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in New York

New York requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $10,000 of property damage liability, often written 25/50/10. It also requires personal injury protection ($50,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident). New York is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Buffalo How much liability cover do you need?

Source: dfs.ny.gov. Checked 2026-10-24.

Insurance companies Buffalo agencies work with

Of the 11 Buffalo agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers (Standard Fire)7 agencies
Travelers5 agencies
Liberty Mutual4 agencies
Progressive4 agencies
The Hartford4 agencies
AmTrust3 agencies
Chubb3 agencies
Liberty Mutual (Safeco)3 agencies
Mercury3 agencies
National Pacific Dental,3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Buffalo agencies are

Buffalo agencies we list sit in 7 ZIP codes, mostly in Erie County.

142213 agencies
142022 agencies
142282 agencies
142101 agency
142241 agency
142251 agency
142271 agency

Questions

Home insurance in Buffalo

All insurance agencies in Buffalo · Home insurance across New York

Where can I find home insurance in Buffalo?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Buffalo agencies work with?

Among the 11 Buffalo agencies whose appointments we hold, the companies they are most often appointed with are Travelers (Standard Fire) (7), Travelers (5), Liberty Mutual (4), Progressive (4), The Hartford (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Buffalo?

FEMA's National Risk Index rates inland flooding risk in Erie County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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