Coverage Services For Individuals
Life happens. That’s why it’s important to protect things that matter, or…let’s face it… the expensive things. We specialize in coverage for home, auto, and most importantly, life. You can’t predict the future so might as well prepare for it. We got you covered.
A homeowners policy protects your dwelling and personal property from many perils including:
- Fire, Smoke and Explosion
- Hail, Wind and Lightning
- Vehicle, Aircraft and Falling Objects
- Electrical Currents
- Theft and Vandalism
- Glass Breakage
- Frozen Pipes
- Water from Plumbing Systems
- Guaranteed/Increased Dwelling Replacement Cost
- Equipment Breakdown
- Identity Theft Expense
- Fine Arts
- Jewelry, Watches, Furs
- Water/Sewer Backup or Sump Pump Failure
- Recreational Vehicle or Golf Cart
A homeowners policy offers the following liability coverages to protect you and your family.
- Personal Liability Protection
- Legal Defense Costs
- Medical Payments to Others
- Damage to Property of Others
- Acts of Children
- Acts of Pets
From jet skis to pontoons, insuring your watercraft will protect you financially in and out of the water in the event of the following:
What is a Flood?
Flood insurance covers direct physical loss caused by “flood.” A Flood is defined as excess of water on land that is normally dry. Flood losses are excluded under homeowners insurance. You must purchase a separate policy to cover this exposure.
The National Flood Insurance Program defines a flood as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:
- Overflow of inland or tidal waters
- Unusual and rapid accumulation or runoff of surface waters from any source
- Mudflow*, collapse, or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above
A Personal Umbrella Liability policy will provide additional protection for your assets should you become legally liable for an incident. This policy will go over your underlying homeowners or auto policy when those limits are exhausted. Call us today to go over this coverage and how it can help you.
This is the most affordable type of life insurance. It covers you for a set amount of time, and once that term ends, so does your policy.
Whole life insurance covers you for your whole life. It comes with a cash value you can use to help pay for unexpected expenses, your children’s college tuition or a vacation.
Universal Life also covers you for your whole life much like Whole Life, however, it provides more flexibility and lets you change the amount of life insurance you get over time.
Bodily Injury Liability
Many states require drivers to carry state minimum limits to protect themselves and other drivers. Bodily Injury Liability will protect the driver of the other car and its passengers and your passengers for any medical expenses they incur during an accident caused by you.
Property Damage Liability
Property Damage Liability will pay for the repair and/or replacement of the other driver’s car in the event of an accident. It will also pay for property damage to buildings.
Medical Payments will cover medical expenses to you and your passengers injured in an accident. Coverage applies regardless of who is at fault.
Uninsured Motorist coverage protects you when another driver is at-fault and has no insurance. You can choose to purchase this coverage to pay for the Bodily Injury and Property Damage when you are not legally liable for either.
Comprehensive will provide coverage for any cause of loss other than collision. For example, hail damage or a tree falls on your vehicle. This coverage will provide for repairs to your vehicle or give you a check for the actual cash value of your vehicle.
Collision will provide coverage for your vehicle after colliding into another vehicle. This coverage will provide for repairs to your vehicle or give you a check for the actual cash value of your vehicle.
Rental Car Reimbursement
Rental Car Reimbursement coverage will reimburse you for renting a vehicle while your vehicle is being repaired because of a covered accident.
Towing and Emergency Roadside Assistance
If you have elected this coverage, the policy will reimburse the dollar amount indicated in your policy, if you had your vehicle towed or your battery died.