Signature Client
We tailor your unique lifestyle and assets portfolio with comprehensive coverage and care.
Commercial Business
No matter what your business is, being here to insure all you value is ours.
Government/Education
After more than 85 years of excellence, the right choice for insurance is public knowledge.
Manufactured Housing Dealers & Communities
Peace of mind can’t be manufactured. Turn to our Manufactured Housing Division for help.
Administrative Relief Technology
Choices, Private Exchange, compliance, technology and streamlined administration of all your employee BeneFITs in one easy-to-use, secure website.
Compliance Management
Healthcare reform, compliance and education training can help ensure the protection of your company and your employees.
Employee Health Improvement
Employees are your company’s biggest asset. Wellness fosters presenteeism, improves productivity and creates a happier, healthier workforce.
Student Property
You value your personal property. Now learn how you can protect it. Get a quote today.
Risk Prevention Solutions
Don't react to losses - avoid them altogether. Work with us to learn how.
Safety Resources Library
Create a safer workplace and help prevent losses by browsing our collection of safety materials.
What Is My Risk?
Determine your organization's loss exposure by taking our quick risk assessment quiz.
Personal
From cars to homes to toys, if you can buy it, we can insure it. Get a quote today.
Business
When it comes to your business, we’re more than an insurer – we’re your trusted advisor.
College
For student health, personal property or specialty insurance, we’re always the smart choice.
Home Insurance
Home Insurance
Your house or condo is so much more than a roof over your head. It’s a home to everything you value. That’s why Haylor, Freyer & Coon provides a comprehensive offering of homeowners policies to protect you today and for years to come. In other words, even as home prices, construction costs, and the value of your possessions fluctuate, our commitment to providing the exact home insurance you need does not.
- Building Property Coverage – Covers losses or damage to the dwelling
- Personal Property Coverage – Covers for loss or damage to your personal items up to a certain limit
- Other Structures – Other structures on the property not attached to the home
- Additional Living Expenses – Provides relocation or housing assistance in the event your home is damaged and becomes uninhabitable
- Personal Liability – Protection from damages or injuries associated when you or someone in your household injures other people or property
Home Coverage Explained
Important Note: Everything listed on this page is meant as general information and the generalized policy descriptions are designed to help you understand the different coverage types. These guidelines and descriptions do not refer to any specific contract of insurance, carrier, or terms of service. They do not modify any definitions, exclusions, or any other provisions that are directly stated in any contract of insurance. We highly recommend that you speak with your insurance advisor and review your policy fully to understand your coverage.
Know Your Coverage*: Replacement Cost Value & Actual Cash Value
Ensure that your house and its contents are covered at Replacement Cost Value and not at Actual Cash Value, so that in the event of a loss, you will be able to get a full replacement.
For Example: If you have a home with a value of $200,000 and you have $180,000 of flood coverage (this could represent your mortgage remainder amount), your loss settlement would be at Replacement Cost Value. If instead, you only purchase $100,000 of flood coverage, your loss reimbursement would be at Actual Cash Value, because you only had 50% coverage of your home’s value.
*Not applicable to all insurers and policies.
Home Insurance –
Frequently Asked Questions
- Does my home insurance cover flooding?
- Does my home insurance cover break-ins/burglary?
- Does my homeowners policy cover collections/valuable articles?
Other Products
Auto Insurance
Getting the coverage you need is no accident
Personal Umbrella
Weather the unexpected & eliminate uncertainty
Valuable Articles
Your collection deserves unique protection
Get A Home Policy
Find out how you can benefit from Haylor’s wide range of insurance products and risk management solutions today! Call or contact us to schedule a complimentary review of your current insurance portfolio!
We have had a long and successful working relationship with Haylor (HF&C) resulting in the best insurance value for our money over the years. In particular their day to day customer service has saved us considerable time and effort...
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-Ken Staub, Staub Trucking
Haylor, Freyer & Coon Announces move to revitalized One Park Place in downtown
January 4, 2019
SYRACUSE, N.Y. – Haylor, Freyer & Coon, a Top 100 independently owned insurance agency, is moving... Read More »
Quick Info
Haylor, Freyer & Coon, Inc.
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Physical Address
300 South State St, Suite 1000
Syracuse, NY 13202
Mailing Address
P.O. Box 4743
Syracuse, NY 13221-4743
Phone: +1 800-289-1501
Contact Us
ISO 9001:2015 Certified