Larry J Acker Farmers Insurance Agency

Larry J Acker Farmers Insurance Agency Our Western New York based agency provides competitively priced insurance for your home, car, busine

Heading to the lake this summer? We cover all types of homes, but there's factors that may contribute to the cost of ins...
06/02/2026

Heading to the lake this summer? We cover all types of homes, but there's factors that may contribute to the cost of insurance 🌊🛥️

📍 Location. Insurers may take into account the potential for severe weather in the area, the rate of burglaries and vandalism and even how close you are to a fire hydrant or a fire station.

🧱 Type of construction. What your house is built of may impact insurance rates. For example, solid masonry construction is considered less vulnerable to fire and wind damage than an all-wood home.

🕰️ Age and condition. Older homes may be considered more of a risk for expensive problems and less able to stand up to severe weather. The age and condition of your roof is also a key factor. Some insurers offer discounts for new roofs.

Summer= more visitors, road trips, and borrowed cars.But here’s a common question:👉 “If someone else drives my car and g...
05/27/2026

Summer= more visitors, road trips, and borrowed cars.

But here’s a common question:
👉 “If someone else drives my car and gets into an accident… am I covered?”

In most cases:
✔️ Insurance follows the car
BUT coverage depends on your policy and the situation.

Don’t assume, ask! We’ll walk you through it, (716) 260-1076

Today we remember and honor those who have lost their lives while serving in the United States armed forces. We thank yo...
05/25/2026

Today we remember and honor those who have lost their lives while serving in the United States armed forces. We thank you and your families for making the greatest sacrifice for our country 🇺🇸

The office is closed today, and we reopen at 9am tomorrow. Stay safe, and have a great day!

There's a lot to consider before buying life insurance, and that's why we're here! ☎️ Give us a call to discuss your opt...
05/22/2026

There's a lot to consider before buying life insurance, and that's why we're here!

☎️ Give us a call to discuss your options, 716-260-1076

For many businesses, spring means one thing:☀️ More customers. More activity. More risk.Whether you're in hospitality, l...
05/19/2026

For many businesses, spring means one thing:
☀️ More customers. More activity. More risk.

Whether you're in hospitality, landscaping, retail, events, or construction, now is the time to ask:
👉 Do I have enough liability coverage?
👉 Am I covered if operations are interrupted?
👉 What if an employee or customer gets hurt?

Growth is great. Being protected while you grow? Even better.

With Memorial Day Weekend only a couple weeks away, boating season will be in full swing before we know it! 🛥️ There's n...
05/14/2026

With Memorial Day Weekend only a couple weeks away, boating season will be in full swing before we know it!

🛥️ There's no better time than now to review your boat and watercraft coverage. Optional coverage may help with the cost of emergency labor where your boat is disabled — or a tow to the nearest location where repairs can be made.

🔋 The Elite package may also cover the cost of gas, oil or a battery, if needed!

Ice, snow, wind… this winter was no joke.But here’s the question we get every spring:“If my roof was damaged over the wi...
05/11/2026

Ice, snow, wind… this winter was no joke.

But here’s the question we get every spring:
“If my roof was damaged over the winter, am I covered?”

✔️ Sudden damage from storms? Typically covered.
🚫 Wear and tear over time? Usually not.

Spring is the perfect time for a roof check and a policy check. Give us a call today, and we can help you out, (716) 260-1076

Spring projects are exciting, but they can also impact your insurance.🏡 New structures may need to be added to your poli...
05/06/2026

Spring projects are exciting, but they can also impact your insurance.

🏡 New structures may need to be added to your policy
⚠️ Pools & trampolines can increase liability risk

Before you build, let’s make sure you’re protected. Let's chat, (716) 260-1076

Spring showers are here… and suddenly you’ve got water where it shouldn’t be.Spring in Western New York often brings bas...
05/04/2026

Spring showers are here… and suddenly you’ve got water where it shouldn’t be.

Spring in Western New York often brings basement seepage, sump pump failures, and foundation cracks.

Here’s what many homeowners don’t realize:

💧Standard home insurance does NOT always cover groundwater flooding.

A quick policy review now could save you thousands later.

☎️ Want us to take a look at your coverage? We’re here to help, (716) 260-1076

If you’ve driven anywhere lately… you’ve felt it.Potholes are everywhere in Western New York this time of year—and they ...
04/29/2026

If you’ve driven anywhere lately… you’ve felt it.

Potholes are everywhere in Western New York this time of year—and they can cause serious damage.
💥 Bent rims
💥 Tire blowouts
💥 Suspension issues
👉 Good news: Collision coverage may help.
👉 Bad news: Not everyone has it.

Let’s make sure your policy is road-ready, (716) 260-1076

Address

664 Niagara Falls Boulevard
North Tonawanda, NY
14120

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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