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People in assisted living dining hall

Assisted Care Facility Resident Coverage

Do you have a loved one that is in an assisted living facility? If you answered yes, we offer coverage for their personal belongings and liability exposure at the facility. This person must be related to you through blood, marriage or adoption and regularly reside in an assisted living care facility. Coverage only applies if they are in the facility at the time of loss. Insureds contact your local agent today for more details on the ML-29 (ed 9/07) endorsement.


Insurance claim form

What should you do if a loss occurs?

When something happens to your home, it's important that you promptly report it to your insurance company if you are seeking insurance coverage. To properly determine the cause of loss and the amount it will cost to repair the damaged property it is vital to inspect it as soon as possible after the loss happens, so the following steps should be taken:


Hands joined in a circle

"Defining" Moments with Andrew: What Does "Cooperative" Mean?

The concept of cooperative insurance was originally brought to the United States by Benjamin Franklin in 1752 with the creation of the Philadelphia Contributorship. Prior to this if an unforeseen circumstance occurred, such as a fire, families were forced from their home and businesses had to close-up and they were out of luck. Rather than bearing the harsh burden of losing one’s home or livelihood alone, community groups began forming mutual insurance companies. The basic idea of insurance was for a group of people to pool their money together to cover the unexpected loss, which only a few members may experience that year.


Insurance agency building

How to Find a Good Agent

Having the right agent can make a big difference for policyholders by helping prevent problems in the future. They assist you with determining necessary coverage and they know how to file claims efficiently after a loss, when you need your insurance most.


Holding hands

"Defining" Moments with Sherry: Additional Household Members Coverage

Do you live with a significant other who is not on the deed & therefore cannot be named as an insured on your homeowner’s insurance policy? If the answer is yes, please read on!


Flooded river

Tips to Reduce Flood and Water Damage to Your Home

  1. Make sure your sump pump is working and have a backup in case the primary pump fails
  2. Move valuables to upper floors
  3. Plug basement floor drains


Homeowners insurance document in front of model house

"Defining" Moments with Sherry: Components of Your Homeowners Policy

Each policy you have contains certain components. Your car insurance has liability, collision, uninsured motorist, medical payments, and personal injury. Your homeowner’s policy has similar components, but they are related to your home. The most important components of your homeowner’s insurance policy are:


Small village downtown buildings

"Defining" Moments with Sherry: Insurance Agent

An insurance agent is someone that is licensed by the state to sell insurance policies to you. Most agents sell many types of insurance policies, such as homeowners, auto, boat, renters, business, health and life insurance. Independent agents are agents that are self-employed and receive commissions from the companies they represent for writing and renewing policies. Exclusive agents represent only one insurance company and may work for a salary or for commissions. Some agents offer more than others, but their main goal should be to help you, the consumer.


Toy house in the palm of a hand

"Defining" Moments with Sherry: Biggest Misconceptions of Insurance

  1. “Your insurance company covers all of your personal property.” This is incorrect; your insurance company will pay only for items damaged by a named peril on your policy. Your policy may also have a lower limit on certain items. For example, you had $500 in coins stolen from your home the company may only pay you up to $100 for the stolen coins, unless additional coverage is added (scheduled).
  2. “Your homeowners insurance will pay for...


"Defining" Moments with Sherry: How to File a Claim

Did you know we have a 24/7 claims service here at Wayne Cooperative Insurance Company? Yes, that is 365 days a year. If you have an emergency in the middle of a holiday, do not be afraid to call our toll free number 1-800-724-1648. Leave a detailed message and a Wayne Cooperative adjuster will call you back as soon as they receive the message.


Insurance policy documents

"Defining" Moments with Sherry: Named Perils

Have you ever looked at your declaration page (the documents that you get from your insurance company) and wondered what is actually covered by your homeowners insurance policy? I know I have!

First of all, you have to know what forms you have, it makes a huge difference if it’s a ML-20 or FL-20 (The General Policy Provisions Agreement). Once you know that, you need to...


Illustration of house in a storm

"Defining" Moments with Sherry: Mitigation

We are working with this new company that has mitigation coverage and I had no clue what the word mitigation really meant. Occasionally, I saw the word when I was going through things on the computer as I was trying to familiarize myself with where everything was. I thought if I keep seeing this word I should really know what the real meaning is. When I saw it for the first time I thought of hibernation; I knew it had no connections.


House on fire

"Defining" Moments with Sherry: Winter Hazards

Did you know that this time of year is the most prominent for home fires? Why you say? It’s much colder outside, so you are outside less and spend the majority of your time in your home staying warm by that cozy fire. So, you have the lights on, furnace turned up and you are probably sitting in front of the television catching up on your shows with your laptop on your lap.


Frozen pipes

"Defining" Moments with Sherry: Freezing of Pipes

It is bitter cold outside… Did you know that your homeowners insurance may cover damages resulting from the freezing of pipes? Most homeowner’s insurance policies cover freezing of plumbing, heating or air conditioning systems, assuming the following conditions are met:


Snow on a railing

"Defining" Moments with Sherry: Weekend Meltdown

As most of you probably already heard, the weather is supposed to look more favorable for the weekend . The weather report shows temperatures will be in the mid to upper 30’s. Now that is something to get excited about, with the temperature above freezing your pipes are less likely to freeze!


Growth chart showing insurance employment increase

P&C Carrier Employment Rises for 5th Straight Month

Property and casualty insurer employment rose in June for the fifth straight month, raising hopes that carriers have reversed the downward employment trend that began in 2008.

Find an Agent

Over 150 agencies representing Wayne Cooperative, located throughout New York State, that will be more than happy to assist you.