Home & Auto Insurance in Rochester, NY

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1️⃣ Best rates

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2️⃣ Real advisors

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3️⃣ Policy reviews

We proactively review your coverage each year.

Coverage Designed for Peace of Mind

Home and Property Insurance

Protect your home, belongings, and liability.

Personal Auto Insurance

Coverage for winter roads, daily driving, theft, and liability.

Boat, RV and Snowmobile Insurance

Coverage for recreation and adventure.

Umbrella Insurance

Extra liability protection when you need it most.

Renters Insurance

Protect your belongings and living expenses if the unexpected happens.

Landlord Insurance

Commercial-grade coverage for property and rental income.

Rose was so helpful in transitioning from another company! She helped me learn more about what was available and what i might need! I feel very supported by this service! Thank you!!

Kelly H.

Protection You Can Trust

      EXCELLENT  
   Based on 135 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Ken 
 11 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Bene-Care is so easy to work with, explains everything along with options. Highly recommended!
  
 
     Posted on Google  
   
   Jim W 
 314 days ago
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐
We couldn’t be happier with our insurance experience through **Benecare**. They were able to provide **better coverage across the board** while saving us **hundreds of dollars a year** on our **home, two vehicles, boat, RV, and umbrella policy**. The customer service has been outstanding—knowledgeable, responsive, and truly focused on what’s best for us. Questions are answered promptly, changes are handled quickly, and we always feel well taken care of. We highly recommend Benecare to anyone looking for excellent coverage, real savings, and top-notch service.
  
 
     Posted on Google  
   
   Kathy W 
 334 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Ever since we switched to this insurance company, our agent has saved us money.  She has been so helpful on coverage not only for ourselves but for our son as well.  Great group to work with.   She also continues to watch our plans and notifies us of any changes.  Highly recommend giving them a call.
  
 
     Posted on Google  
   
   Teri K 
 335 days ago
 
 
 Trustindex verifies that the original source of the review is Google. After a flood in our basement we found the repair was not covered by our insurance. We turned to Bene-Care and Rose Dugan! She found us amazing coverage for all of our needs at a much better price. We meet regularly with Rose to be sure to have the best coverage for our money. We’ve gained peace of mind knowing that Rose Dugan & Bene-Care are finding us the best coverage.
  
 
     Posted on Google  
   
   Mohammed Y 
 335 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This is a great company to work with. I have all my personal and business insurance needs covered, payroll and they handle everything you’re looking for. They will help you with whatever you need, and I want to give a special thanks to Megan Tamayo — she goes above and beyond. Ron Stade and Skyler Bowman also try to help as much as they can! Great people to work with!
  
 
     Posted on Google  
   
   Joe S 
 337 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I can't say enough good things about Bene-Care. They are friendly and most professional Insurance Company that have worked with. Phone calls are answered quickly. I highly recommended Bene-Care Inc.
  
 
     Posted on Google  
   
   Walter E 
 339 days ago
 
 
 Trustindex verifies that the original source of the review is Google. In over half a century of buying car and property insurance, Bene-Care has provided the best service at the best price.
Every interaction, from policy questions to claims assistance, has been handled with professionalism and care by Rose Dugan and Tanya Schlafer.
  
 
     Posted on Google  
   
   Christine C 
 339 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Wonderful company, readily available, very helpful and informative, & transparent as well. Every time I want to complain about my insurance costs, Rose Dugan comes to my aid and I thank my lucky stars and the friend who referred me!
  
 
     Posted on Google  
   
   Colleen S 
 340 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We were referred to Bene-Care from a friend three years ago, and we could not be happier with their service.
Every year I reach out to Anthony Allocco-Angell to ask questions about our insurance options for the upcoming year. Every year I am so impressed with his knowledge of the products offered, his patience with my questions, the efficiency of anything he needs to assist us with and most importantly his kindness. He makes you feel like you are his only client. Thank you Anthony for always bringing us such peace of mind year after year.
  
 
     Posted on Google  
   
   Peter B 
 1025 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding!
Bene-Care is everything you want from an insurance agency. Excellent customer support always. The latest technology like as Docusign makes transactions convenient.
We have been a customer for many years.  Most insurance agencies get complacent and simply forward the updated policy they receive each year rom the insurance company - its so easy to do this. But Megan there actively shopped our policy around and came up with an alternate provider that saved us thousands!  Why would I think about going anywhere else?
  
 
 
  
 
   Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more

Frequently Asked Questions About Home and Auto Insurance

What auto insurance is required in New York?

New York requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, $10,000 for property damage, $50,000 in no-fault (personal injury protection) coverage, and uninsured motorist coverage. Bene-Care helps drivers find the right coverage.

What is umbrella insurance?

Umbrella insurance adds extra liability protection on top of your home and auto policies, usually starting at $1 million. It helps cover large claims, like a serious car accident or an injury on your property, that go beyond your other policy limits. Bene-Care can help you decide if you need it.

Can I bundle home and auto insurance?

Yes. Most insurance companies offer a discount when you bundle home and auto insurance with the same carrier, and bundling makes your coverage easier to manage. Bene-Care compares bundled options to help you save.

Does homeowners insurance cover flooding?

No. Standard homeowners insurance doesn’t cover flood damage. Flood coverage requires a separate flood insurance policy. Bene-Care helps homeowners find out if they need flood coverage.

Whose insurance pays when a tree falls on a house?

Usually, the homeowner’s own insurance pays for damage to their property, even if the tree came from a neighbor’s yard. If the tree was dead or poorly maintained and the neighbor ignored it, the neighbor’s insurance may be responsible. Damage to a car is typically covered by comprehensive auto coverage. Bene-Care can review your coverage.

Whose insurance pays for damage in a rental property, the tenant or the landlord?

The landlord’s policy covers the building itself, while the tenant’s renters insurance covers their personal belongings and liability. If a tenant causes damage, such as a kitchen fire, the tenant’s liability coverage may help pay for repairs. Bene-Care helps both tenants and landlords get the right coverage.

Are underground service lines covered by homeowners insurance?

Usually not. Standard homeowners insurance typically doesn’t cover underground water, sewer, or utility lines between your house and the street, and homeowners are often responsible for repairing them. Many carriers offer service line coverage as an add-on for a small cost. Bene-Care can help you add it.

Do I need to buy insurance when renting a car on vacation?

Not always. Your personal auto policy often extends to rental cars in the U.S., and some credit cards offer extra coverage. However, your policy may not cover rental company fees or rentals outside the U.S. and Canada. Check your coverage before your trip. Bene-Care can help you review it.

Home & Auto Insights

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