Personal Insurance

Insurance is something most of you will have to purchase. By law, you have to purchase automobile insurance and if you own a house, condo or town home, your association or the bank that holds your mortgage may require you to purchase insurance.

One of the biggest advantages to using an independent agent over a single company broker is our ability to get quotes from different insurance companies that is the best fit for you. Not only can we match you with an insurance company that is a better match, but often we can do it cheaper than the insurance placed through a captive insurance agent.

Home Owners Insurance

The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection you need for:

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings – furniture, clothing, appliances, etc.
  • Additional living expenses
  • Your personal legal liability

Special Features you can choose for additional security:

  • Home Replacement Guarantee
  • Replacement Cost on Contents
  • Scheduled Jewelry, Fine Arts, Guns, etc.

FREQUENTLY ASKED QUESTIONS

What is homeowners insurance?

Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:

  1. covers the property of the insured and
  2. provides personal liability coverage to the insured.
What do I need to know when purchasing homeowners insurance?
  1. Get the amount and type of insurance that you need.
  2. Determine the amount of personal property insurance and personal liability coverage that you need.
  3. Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?
What is replacement cost?

When “replacement cost” coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Where and when is my personal property covered?

Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).

Should I purchase earthquake coverage?

Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.

Should I purchase flood coverage?

If your property lies in a flood plain as determined by US Government Flood Maps. Ask your independent agent about a flood quote.

Auto Insurance

To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Coverage:

  • Bodily Injury to Others
  • Bodily Injury Caused by Uninsured Auto
  • Damage to Someone Else’s Property

Optional Coverages:

  • Medical Payments
  • Collision
  • Comprehensive
  • Substitute Transportation
  • Towing and Labor
  • Bodily Injury Caused by an Underinsured Auto

FREQUENTLY ASKED QUESTIONS

When purchasing automobile insurance what should I consider?

There are several things you should consider when purchasing automobile insurance that your independent agent will help you with. Here are a few:

  1. Purchase the amount of liability coverage which makes sense for you.
  2. Select the optional coverages you want.
  3. Decide which company to purchase insurance from.
  4. Don’t base your decision solely on price. Other factors like service and claim response are extremely important in selecting the right insurance.
Does my insurance policy cover a friend if I loan him/her my car?

When you loan your car to a friend or an associate, he or she will be covered under your automobile insurance policy.

What is collision physical damage coverage?

Collision is the loss you incur when your automobile collides with another vehicle or object like a telephone pole.

What is comprehensive physical damage coverage?

Comprehensive provides coverage for direct physical damage losses you could incur to your car from something like a hailstorm.

How can I lower my automobile insurance rates?

There are several things you can do to lower the cost of your automobile insurance. One way is to look for competitive pricing. An independent agent works with many companies and can provide you comparative rates and insure that your are getting the same coverage.

Another way to lower the cost is to change your deductible. By raising your deductible you may lower the cost of your automobile insurance almost 10{9ba9b4503094967ac1e49e0ccb9d80d5a0209bc7a0b74b0db01714c499fac183} You must be able to pay the deductible amount in case of a claim. You can also look for discounts that you may be entitled to. Some examples of discounts that may be available are: multiple cars under the same policy, carrying a homeowners policy with the same insurance company, different groups or associations.