Is Your Policy Built for Today’s Cost of Living?
Inflation doesn’t just impact your weekly grocery bill or the price of gas—it’s reshaping the entire landscape of insurance. From the rising cost of materials to labor shortages and supply chain delays, today’s reality looks nothing like it did even a few years ago. So here’s the real question: Is your insurance policy keeping up?
If you haven’t reviewed your coverage recently, there’s a good chance you’re underinsured—and that could cost you big time when it matters most.
The Hidden Risk of Outdated Coverage
When we write a policy, we’re not just protecting your house or car—we’re protecting your future. But what was considered “adequate” coverage just a few years ago might fall dangerously short in today’s market.
Why? Because the cost to repair or rebuild after a loss has soared:
Construction costs have spiked due to inflation, material shortages, and labor costs.
Vehicle repairs have become more complex and expensive due to advanced tech and parts scarcity.
Personal property replacement is up across the board.
Yet many policies still reflect outdated valuations—leaving homeowners, landlords, and drivers exposed when a claim hits.
It’s Not Just About Coverage. It’s About Confidence.
At Ellen Fenton & Company, we’ve been guiding WNY families and businesses through market fluctuations for over 30 years. Our approach isn’t reactive—it’s proactive. We anticipate where the industry is headed and adjust accordingly, helping you stay protected no matter how much things change.
Here’s what we’re asking our clients today:
✅ Does your home insurance reflect today’s rebuild costs?
✅ Is your liability limit enough to protect your current assets?
✅ Would your auto coverage fully protect you after a major accident?
If you're unsure, you're not alone. And you're not stuck.
How to Take the First Step: Get a Quote Online
We’ve made it easier than ever to get started. Whether you’re looking to compare your current policy or want to explore better protection, our online quote tool is fast, secure, and obligation-free.
Let’s make sure your policy is built for today’s cost of living—not yesterday’s.
Insurance isn’t just about checking a box. It’s about making sure you’re not left holding the bag when the unexpected happens. At Ellen Fenton & Company, we’re not just selling policies—we’re building relationships and providing peace of mind. Let’s get your coverage up to date.