Theresa Kernan

As the days grow shorter, it’s the perfect time to think about what matters most—protecting your loved ones. Let us help with an updated insurance quote for your family! Call or text us for your personalized quote.

• State Farm Agent since 1999 Native of Rochester

• New York Graduate of Oswego State

• Servicing Gates-Chili, Spencerport, Churchville, Scottsville, Bergen, and the surrounding Rochester area Member of the Gates-Chili Chamber of Commerce

• Legion of Honor Qualifier Bronze Table Qualifer

• Ambassador Travel Qualifier

• Free Quotes on Auto, Home, Renters. and Business

• Proudly protecting and serving the Life insurance needs of Chili, Churchville, Gates, Bergen, Spencerport, Scottsville, Batavia, and the City of Rochester

• In-person or virtual appointments available

Frequently Asked Questions (FAQ)

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Looking for coverage? Talk with Theresa about your options in Rochester.

Q: How quickly can car insurance coverage start?

A: In many cases, coverage can start the same day you decide to move forward. We can help you get set up quickly so you're covered and ready to go. For personalized coverage in Rochester, NY, reach out to Theresa.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Theresa is proud to serve the Rochester community.

Q: Do you need to carry insurance on your home?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Serving Rochester and the surrounding area, Theresa can help answer your questions.

Q: What kinds of things does renters insurance protect?

A: Renters insurance can help cover your personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable due to a covered loss. Have questions? Theresa in Rochester can walk you through your options.

Q: What is life insurance?

A: Life insurance is a way to help take care of the people you love financially. It can provide support to your beneficiaries to help cover things like everyday expenses, debts, or future needs, depending on the coverage you choose. Theresa works with Rochester residents to find coverage that fits.