Car Insurance
Car insurance coverage is designed to help financially cover potential auto-related damages, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people’s property and your vehicle. It can also help protect you in the event of an automobile-related lawsuit.
Car insurance offers you protection against financial losses in the event of accident. It helps protect you, your car, your passengers, other drivers, pedestrians, and people’s property. Protection in the event of an automobile-related lawsuit can also be provided.
It is important to discuss the specifics of your car insurance policy with an insurance professional. For more detailed answers to tough coverage questions please contact our office, we are here to help.
Homeowners Insurance
Homeowners insurance is designed to provide financial protection for you in the event of a disaster. Standard homeowners policies are package policies. They provide coverage for your property, both your home and its contents, as well as providing personal liability coverage. Most disasters are covered by your homeowners policy, but there are exceptions. Problems that may affect your home caused by lack of routine maintenance are generally excluded from your policy. Damage caused by earthquakes is not normally covered by a homeowners policy. Earthquake coverage must be added to a homeowners policy through an endorsement or must be carried as a separate policy. Another coverage that is not included under the normal terms of your homeowners insurance policy is damage caused by floods. Flood insurance may also be purchased on a separate policy. There may be other exceptions and non-covered events in the terms of your policy. Remember, you should always check with us if you have specific questions regarding your policy coverages.
As always, it is important to discuss the specifics of your policy and/or plan with an insurance professional. For more detailed coverage information please contact our office and speak to one of our associates, we are here to help.
Commercial Auto/Property/General Liability
Commercial General Liability insurance is the backbone of most commercial liability insurance programs. It is a broad coverage, which subject to exclusions and conditions, covers many of the common liability exposures faced by most organizations. Commercial general liability insurance includes but is not limited to coverage for bodily injury and property damage, personal and advertising injury, and medical payments. Benefits for commercial general liability insurance are based on one of two coverage forms. The first, an occurrence form policy, offers coverage that is triggered by a bodily injury or property damage claim which occurs during a policy period. On the other hand, a claims-made form policy is triggered by a claim that is made during a policy period.
As always, it is important to discuss the specifics of your policy and/or plan with an insurance professional. For more detailed coverage information please contact our office and speak to one of our associates, we are here to help.
Boat/RV/Motorcycle Insurance
Insuring your recreational vehicle is a smart way to protect yourself from unnecessary costs associated with accidental damage. While liability coverage may be extended from the insured vehicle you use to pull your RV, physical damage coverage is not normally provided.
Whether your RV is new or used, carrying physical damage coverage is a smart way to make sure you are protected when you are out on the road. Many things can happen when you are traveling with your RV that you cannot plan for but having proper insurance coverage in place is a great way to limit your risk.
As always, it is important to discuss the specifics of your policy and/or plan with an insurance professional.
Health Insurance
Health insurance coverage pays for medical bills (hospital, doctor, ambulance, etc.) incurred as a result of an injury or illness. Health insurance comes in many different forms. The most comprehensive and type of coverage is a Major Medical Plan. This policy can be purchased by an individual for a person and/or their immediate family.
As always, it is important to discuss the specifics of your policy and/or plan with an insurance professional.
Life Insurance
Life insurance provides money for the people who depend on you after your death. No matter what your position in life, whether you are married, a single parent, still working, or retired, chances are someone is depending on you. When that emotional time comes, and it is necessary to to take care of final expenses such as medical costs, lawyers fees, taxes, debts, and funeral costs, life insurance is there providing for your loved ones. Final expenses are not the only thing when you are making decisions about life insurance. Making sure those closest to you are able to comfortably meet the obligations of their daily living is equally important. Covering expenses such as a mortgage, food, clothing, health care, and savings for long range goals will all affected by the loss of an income. Determining what type of life insurance coverage is right for you can depend on a number of factors. Questions like, how long will I need the coverage, is my budget fixed or do I have some flexibility, and how much coverage will I need, will help you and and our team find a solution that is right for you.
