Whether you’re looking at insuring your home, apartment, car, your valued personal items, or something in between, our team will take the time to sit down to consult with you about our different coverages, educate you about the process, and walk you through your options so you can make informed decisions and build a policy that fits your lifestyle.
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Homeowner's Policy
For many of us, our home is our most valuable possession. In the unfortunate event that your home was damaged, insurance can help you repair your home, replace damaged possessions, and other losses you cannot afford. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you if someone is injured on your property and sues for damages. You also can buy several types of additional insurance for property that is not listed in your homeowners policy or for perils not covered, such as water damage caused by floods.
Flood Insurance
Flood insurance is required for homes that are located in areas that have a high risk for flooding. However, even if you live in an area that is not in a flood zone, flooding can still happen due to poor drainage systems, melting snow, runoff from storms, neighborhood construction, and broken water mains.
Automobile
You are in your car every single day, so you want to make sure that you have good options when it comes to protecting yourself, your passengers, and your car from a variety of things. From collision coverage to Rental Reimbursement and different coverages in-between, we can help you understand what they mean and decide on a policy that fits your needs.
Bodily Injury (BI) Liability Coverage pays, up to the coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
Property Damage (PD) Liability Coverage pays, up to the coverage limits, for another individual’s vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
Medical Payments Coverage pays, up to the coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
Towing and Labor cover some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
Renters
The owner of your apartment or your home that you are renting most likely has insurance that covers only the building of where you live. Their policy will not cover your belongings or your liability for accidents. Please ask your landlord or property owner about the items that may or may not be covered on their policy.
Personal Umbrella
Since no one can predict how much a judge may award an injured person, umbrella insurance is not just for the wealthy anymore, but a needed protection for every policyholder.
Umbrella insurance is designed to give one added liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies. With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.
This protection is designed to “kick-in” when the liability on other current policies has been exhausted.
Personal Articles Floaters
This policy is used to cover scheduled personal property on a risks basis. The policy is particularly appropriate for property that receives limited coverage under the homeowner’s forms, such as furs, jewelry, fine arts, silverware, cameras, musical instruments, stamp and coin collections, and similar property. Coverage is also sometimes afforded in homeowner’s policies by endorsement.
Life Insurance
In the event of a tragedy, life insurance is there to help protect and provide financial relief for your loved ones. If you have not considered life insurance, these are other ways that it can help bring you financial security during tough times.
- Buys your family time, gives them options, and lets them have time to adjust rather than having to worry about finances.
- Provides cash when it is needed the most.
