MJS Insurance

10/19/2026

Wedding season means new rings, heirloom pieces, and jewelry that travels. Newly received jewelry like an engagement or wedding ring should be added to your policy as soon as possible. Standard home and renters policies have low jewelry limits that may not cover what you have received. A scheduled personal property endorsement protects each piece at its full appraised value. Coverage follows you everywhere, not just at home. Do not wait until after the honeymoon to make sure your most meaningful pieces are protected.

10/12/2026

Living with roommates? Do not assume one renters policy covers everyone. A renters insurance policy typically only covers the named insured, not roommates. If your roommate's belongings are stolen, your policy will not cover them. Each person in a shared rental should have their own renters policy. Renters insurance is affordable enough that everyone can have their own coverage without breaking the budget. Talk to a local agent about getting each person in your household properly covered.

10/05/2026

Most people leave insurance discounts on the table simply because they do not know to ask. Here are discounts worth asking your local agent about: Multi-policy or bundling discounts. Safe driver discounts. Good student discounts. Home security system discounts. New home or new roof discounts. Loyalty discounts for long-term customers. Pay-in-full discounts. Each one alone may be small but stacked together they can add up to meaningful savings. A local agent knows which discounts you actually qualify for and makes sure you are not paying more than you should.

10/03/2026

We are happy to sponsor 585 Co****le again!

We would like to thank Lester Hayes and your local Geico agent Maxwell Scheur. Geico has been a sponsor of ours for several years. Thank you for your continued sponsorship, boards look awesome and will be at league this coming Monday. Need a quote, reach out at 585-670-2040.

https://www.geico.com/insurance-agents/new-york/rochester/max-scheur/

09/28/2026

A backyard pool adds value to your home but it also adds liability. A pool significantly increases your liability exposure. If a guest is injured, you could be held financially responsible. Most insurers require notification when a pool is added. Failure to disclose could affect your coverage. Higher liability limits may be worth considering. For even greater protection, an umbrella policy can extend your liability coverage well beyond your standard homeowners limits. Safety features like fencing, pool covers, and alarms can reduce your risk and may help with premiums. Talk to your local agent before pool season starts.

09/21/2026

Your renters insurance may actually provide some protection related to your pet but there are limits worth knowing. Liability coverage in a renters policy can help cover medical expenses if your dog bites a guest or causes injury. Pet damage to the rental unit itself is generally not covered. Knowing your policy's pet-related terms upfront avoids surprises. Ask your local agent what your renters policy says about your four-legged family member.

09/14/2026

A classic or collector car is not your average vehicle and it should not be insured like one. Standard policies pay actual cash value, which factors in depreciation. Classic cars often appreciate over time, meaning a standard payout could leave you significantly short. Agreed value coverage locks in a set payout amount upfront so you know exactly what you would receive. Usage-based policies designed for classic cars often account for limited mileage and storage. If you own a collector vehicle, talk to your local agent about coverage built for it.

09/14/2026

At MJS Insurance, we are incredibly proud to sponsor 2 of these 34 HEROES!

09/09/2026

Better coverage and lower costs, that's the kind of outcome we love delivering. Thank you for your thoughtful review!

09/07/2026

Just moved to a new state or city? Your insurance needs may have changed more than you think. State-specific coverage requirements for auto insurance vary significantly. Local weather patterns and risks like hail, flooding, or wildfires affect what coverage makes sense. A local agent already knows what policies work best in your specific market. You are not just getting a policy. You are getting someone who understands where you live and what you are actually up against.