Personal Policies We Provide:
Auto and Home
Auto and home insurance are two of the most important cornerstones of protection for Americans, alongside life, health, and commercial insurance. It’s imperative to understand some basic concepts before discussing the importance of these two insurance policies.
Umbrella Liability
‘Umbrella Liability Insurance’ includes various types of liability and buys coverage in excess of the underlying policy. Some umbrella policies may also cover a few risks that are concerns of the policyholder and are not included in the basic liability policies
Renters
If you are renting your living space, you should consider a renters insurance policy. Renters insurance is a policy that tenants purchase to protect their personal belongings, as well as to provide liability coverage for accidents that happen on the property they’re renting. It’s important to know that if your personal belongings like clothes, furniture, art, or electronic equipment are damaged or stolen, the landlord’s insurance will not cover any of the costs to repair or replace these items unless, of course, you can prove that it was the landlord’s negligence that caused the damage. This means you need to be proactive in order to protect your belongings. Renters insurance can also save you from financially devastating accidents. If someone gets hurt while visiting your house and decides to sue you, renters insurance can cover the legal expenses and any payouts you might be responsible for, such as a building fire, storm, or apartment break-in from which they were stolen.
Condo & Townhome
Condo insurance, also known as an HO-6 policy, is a type of property insurance that protects the interior of a condominium or co-op unit and its contents. It’s designed for condo owners and can help protect their belongings, finances, and themselves. Condo insurance is typically less expensive than homeowners insurance because it only covers the unit, not the entire building or property.
Flood & Earthquake
Floods can happen anywhere and anytime, not just in coastal areas or near lakes or rivers. Even historically, flood-prone areas can be affected by sudden and unexpected dangerous conditions like flash floods. Homeowners’ insurance does not cover flood damage caused by rising water. For that, a special flood policy through the National Flood Insurance Program (NFIP) or a few private carriers must be purchased. This is a separate policy and is not part of a homeowner policy coverage by endorsement, so a separate application is needed
Earthquake insurance is a special type of homeowners insurance policy that protects a policyholder against certain damages from the movement or collapse of the ground that are caused by a sudden and violent shaking of the earth. Most policies are written with a 10% deductible, so you need to determine what your estimated repair or rebuilding costs would be using today’s building prices and apply a limit 10% less than that to your insurance purchase.
Dwelling Fire
Dwelling fire insurance, also known as dwelling coverage, is a part of a home insurance policy that can help pay to repair or rebuild a home’s physical structure if it’s damaged by fire or other covered causes. It covers the structure of the home, including attached garages, countertops, flooring, and built-in appliances, but not its contents or land.
Scheduled Personal Property
Scheduled personal property insurance is an optional add-on to a homeowners, renters, or condo insurance policy that provides higher coverage limits for specific, high-value items. It’s also known as an endorsement.
Motorcycle
Motorcycle insurance protects you, your bike, and your finances in the event of an accident, theft, or other unexpected events. It can cover:
- Damage or theft: Repairs or replacement of your bike, scooter, moped, ATV, or UTV if it’s damaged or stolen
- Injuries: Medical bills if you’re injured while riding
- Liability: Damages you might cause to others or their property while riding, including repairs to their vehicle and medical costs for any passenger injuries
- Other: Safety gear, carried contents, custom parts, or even your travel trailer
Classic & Collectible Cars
Classic and collectible car insurance is a type of specialized insurance that’s designed to protect the unique needs of antique, classic, and collectible cars. It’s different from regular auto insurance in a few ways, including:
- Coverage
Classic car insurance typically covers a car’s full assessed value, while regular auto insurance might not. This is because classic car insurance takes into account a car’s condition, rarity, and features, rather than factoring in age, mileage, and depreciation.
- Vehicle type
Classic car insurance is for vehicles that are at least 25 years old and have historic or cultural significance. Collector car insurance is for vehicles that are rare, unique, or highly valuable.
- Policy customization
Classic car insurance policies can be customized to match how much a car is driven each year, and may also include coverage for things like roadside assistance, medical payments, and specialized repairs.
Recreational Vehicles
Recreational vehicle (RV) insurance protects your RV and your finances if your RV is involved in an incident that causes injuries or property damage. It can cover your vehicle on the road and when it’s parked, and can function similarly to auto insurance, but also includes unique coverage needs for RV owners.
Individual Health
Individual health insurance, also known as personal health insurance, is a health policy that an individual or family can purchase on their own. It’s not available through employers or government-run programs like Medicare, Medicaid, or CHIP.
Individual Life
Individual life insurance is a policy that covers a single person’s life, as opposed to group life insurance, which covers multiple lives. There are several types of individual life insurance policies, including term life, whole life, and universal life