Purchasing home insurance can be stressful because your home is probably your most valuable asset. Make sure you understand what your policy covers and how to get the right coverage for your needs.
Let us take the stress out of car insurance for you. Whether you’ve been insured for years and are looking for a change or you are insuring a car for the first time, our agents are here to help you.
Personal Umbrella Liability
Did you know that if someone gets hurt on your property – even if it is not your fault – you can be sued? If you don’t have the right insurance coverage, seemingly small accidents can result in large bills.
You may be surprised at how affordable motorcycle insurance is because your motorcycle costs less and is typically less likely to do as much damage if you are involved in an accident.
The price of policies varies, but you can typically insure all of your possessions at your property for between $15 – $30 per month. Your policy can cover theft, loss of personal property, and liability.
Some are under the impression that homeowner insurance extends to boats, but unless your boat is very small and doesn’t include a motor, you’ll need a separate policy for your boat.
Antique and Specialty
Antique cars or other special cars you own deserve special insurance policies to keep them protected. Educate yourself about the special stipulations you may encounter insurance an antique or special car.
Did you know that if you are vacant from a dwelling for 30 to 60 days your insurer may reserve the right to cancel your policy? Even vacation homes somtimes may need special coverage.
Don’t just rely on your condo association’s insurance. Your condominium unit owner policy bridges the gap between your condo association’s policy and your personal liability and property protection.
Did you know that your homeowner’s insurance policy will not cover your house in case of flooding? Make sure you do your research before assuming that you don’t need to purchase a flood insurance policy.
Rented Dwelling Coverage
Oftentimes homeowners who are unable to sell a house after buying a new one put their home up for rental and neglect to change the insurance policy. Neglecting rented dwelling coverage puts them at risk.
It is important for your company to provide the proper compensation, because if it does not, it is left open to a lawsuit by the injured employee, and you are required by state law to have workers’ compensation coverage.
Commercial General Liability
In our litigious society every business needs to be keenly aware of its exposure to liability. No one wants accidents to occur. No one wants to be sued. But the reality is it can happen to the best of us. Be ready for when it happens to you.
Commercial Umbrella Liability
Although standard liability coverage provided by your business auto liability policy and general liability coverage will get the job done most of the time, the few times when it doesn’t may cause serious financial harm to your business.
Commercial Property Insurance
Property insurance protects your business from the loss or destruction of your property due to catastrophes. It provides you with an important tool to safeguard your property from unfortunate events to mitigate potential loss to your business.
Business Owners Coverage
As the owner of a business you have a lot at stake, so business owners insurance is essential for protecting your assets. Business owners’ insurance provides a combination of protection from all major liability and property risks in one policy.
Business Auto Insurance
If you own a business and purchased vehicles for you or your employees to use while doing business for your company then you are responsible for insuring those vehicles. This includes everything from taxis to tow trucks.
Mistakes made while working on cars, injuries, theft, fire, and property damage are just a few of the causes for lawsuits that may lead to you being required to pay a settlement or damages. Make sure your insurance covers your liabilities.