Tom Kernan

I’m Tom Kernan, and I’ve been proud to serve as a State Farm Agent since 1999. Based in Rochester, NY, my office serves Chili and the surrounding communities, including Gates, Churchville, Spencerport, Scottsville, Bergen, Batavia, and the City of Rochester. As a graduate of the State University at Oswego, I’ve spent decades building relationships rooted in honesty, consistency, and a strong understanding of what matters most to the families and businesses in our area.

Over the years, I've been honored as a Legion of Honor and Ambassador Travel Qualifier, recognition that reflects my long‐standing commitment to service and professionalism. Giving back has always been important to me as well. I serve on the Board of Directors for the National Kidney Foundation of Upstate New York, act as the ALS fundraising chairman for Rochester, NY, and have been a youth hockey coach and mentor for the past 15 years. These roles keep me closely connected to the community I live and work in.

My office offers a wide range of Auto Insurance, Home Insurance, Renters Insurance, Condo Insurance, Commercial Insurance, and Life Insurance, along with coverage for motorcycles and boats. Whether you’re preparing to protect your home, get coverage for your vehicle, or help safeguard your family’s future, my team and I are here to walk you through your options. We offer both in‐person and virtual appointments to make connecting easy and convenient.

Call or text our office anytime to start a personalized quote!

Frequently Asked Questions (FAQ):

Q: How can I compare auto insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Connect with Tom for insurance guidance in Rochester.

Q: How soon can I get insured for my car?

A: Car insurance coverage can often start the same day, depending on your situation. In Rochester, you can count on Tom for personalized service.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Tom is here to help your Rochester household feel covered.

Q: What's typically covered by a homeowners insurance policy?

A: Homeowners insurance can help protect your home, your belongings, and your financial well-being. It may cover the structure of your home, your personal property, and provide liability protection, along with help for additional living expenses in certain situations. Looking for coverage? Talk with Tom about your options in Rochester.

Q: What does renters insurance cover?

A: Renters insurance helps protect the things you own if something unexpected happens. It can help cover personal belongings if they're damaged or stolen, provide personal liability protection if someone is injured, and help with additional living expenses if you're unable to stay in your home due to a covered loss. For personalized coverage in Rochester, NY, reach out to Tom.

Q: What is life insurance?

A: Life insurance helps provide financial support to your beneficiaries and can help cover expenses like debts, living costs, or future needs. Tom is proud to serve the Rochester community.