MJS Insurance

$1,500 in savings with one phone call. What could you be saving? 💰

Just bought a new car? Before you drive off the lot, make sure your insurance is updated. Your existing policy may not automatically cover your new vehicle at the right level. A new car likely needs comprehensive and collision coverage, especially if you have a loan or lease. A quick call to your local agent before you drive home could save you from a costly gap in protection.

After 20 years with the same company, this client made the switch and never looked back. ✨

Bundling auto and home really does pay off, $300 in savings says it all! 🏠🚗

Did you know your credit score can affect your auto insurance premium? A higher credit score often means lower premiums. Insurers use it as a factor in determining risk. Improving your credit over time could lead to real savings on your policy. Not all states allow credit-based pricing, so ask your local agent what applies in your area. Small changes in your credit profile could mean big changes in what you pay.

New driver, new chapter, same trusted coverage. We're here for every stage! 🎓

We had an amazing time last weekend sponsoring the Penfield Business Chamber event PENFEST 2026!

Same coverage, 50% off, and done in a day. That's what we love to hear! ✨

When most people think of home insurance, they think of protecting the building itself. But a standard policy usually does more than that.

Here’s what could be included:

🔹 Dwelling Coverage – Repairs or rebuilds your home if it's damaged by a covered peril (like fire or wind).
🔹 Other Structures – Covers things like fences, sheds, and detached garages.
🔹 Personal Property – Helps replace stolen or damaged belongings, from furniture to electronics—even items stored off-site in some cases!
🔹 Loss of Use – Pays for additional living expenses if your home becomes uninhabitable due to a covered event. Think hotel stays, meals, and more.
🔹 Liability Protection – Covers legal expenses if someone gets hurt on your property or if you accidentally cause damage to someone else’s property.

🛑 Pro Tip: Not all policies are the same. Limits, exclusions, and deductibles matter, so it’s smart to understand what your policy actually includes.

💬 When was the last time you really looked at your home insurance coverage?

From homes to investment properties, we've got you covered! 🔑