Joe Mesi from Mesi Agency, Inc. brings over 28 years of personal lines insurance expertise to his home town agency located in Cheektowaga NY which has over 20 insurance companies to shop from for a customized and personally taylored insurance policy . Topic of discussion for the Synergy Group attendees included a concentration on the major differences of homeowners insurance policies available to his current clients and the general consumer. With Western NY having such a wide varity of weather conditions that change in as little as an hour in some instances , it is important to pay particular attention to the exsposures we are confronted with . It is imparative that all homeowners know the differences in protection from the severe elimants that we all have expierienced during the winter months . It isnt necessarily the dwelling and contents coverage limits when speaking about winter related homeowner losses , it is the policy type that triggers reportable and payable claims through ones coverages . In short , anyone that owns a home in the Buffalo NY area , must strongly consider to obtain a HO-3 homeowners policy to insurae that most winter losses sustained would be eligle for claim payment should such an event occur . One should ultimatly try to obtain a HO-5 homeowners policy that will ensure the best levels of protection not only for dwelling related losses but also contents related losses ! By visiting the Mesi Agency, Inc. website , contact and agency information along with other insurance realted topics are there for the viewing .