Home Owners insurance is a great way to help minimize the repairs and costs that come with living in a home and living with the dangers of the real world. When you experience a hurricane, hail, lightning, or theft, you don’t want to have to worry about the damages that come along with those accidents.
Plan now for the unexpected and get peace of mind for your home, possessions, and most importantly, your friends and family.
Here’s a bit of information about general home insurance policies: Homeowner’s insurance is a type of insurance that covers an owner’s home in the case of an accident or damage.
Usually, this type of insurance will cover damage against the house, the possessions inside the house, or accidents in the home or on the property. In the United States, there are different kinds of homeowner’s insurance, ranging from simple home insurance to a policy that includes some different added insurance.
For the first option, you can choose a bare-bones policy that includes just liability insurance and a few different perils. For the second option, this includes covering the home, any other buildings on the property, the personal property, liability insurance, and the named perils are larger than the first. For the third option, this is the most common option used and the one that covers the most. This option covers everything that the second option covers, but also protects against any damage not excluded, which is commonly floods, earthquakes, and water seepage.
When you drive a high-speed vehicle every day, chances are that something bad will happen. Though we don’t ever want anything to happen to our customers, we also don’t want something bad to happen without the help that you need. If something happens to you or your car, you are protected. Not only will we help with the expense of rehabilitating your vehicle, we also have you covered if you rear-end another car or are the cause of an accident. Simply put, auto insurance is a way to keep you safe.
Auto insurance is a contract between you and the insurance company wherein you agree to pay a premium and they agree to cover damages that happen if you have an accident.
- There are different types of auto insurance coverage depending on how much or how little coverage you would like:
- The first type of insurance coverage is bodily injury liability, which covers medical bills, lost wages, pain, and other expenses in an accident where you were legally responsible for the other person’s injuries.
- The next type of auto insurance coverage is property damage liability, which essentially means that when you are responsible for repairs to another person’s vehicle due to an accident, your insurance will cover that cost as well as the cost of anything that was hit by you in your vehicle.
- After that, you have collision coverage, which is usually optional. This type of insurance pays for the damages to your car, even if you are at fault for an accident, once you have paid the deductible. If you are not liable, your insurance company can seek reimbursement for this cost.
- Another type of coverage is the comprehensive coverage, which protects you against random hazards not related to accidents on the road. This can be anywhere from vandalism, theft, fires, falling objects, storms, and running into animals on the road. This can be helpful if you live in a dangerous area or an area that has lots of damaging storms.
- Lastly, the uninsured and underinsured motorist coverage is an important aspect to your coverage because it will protect you if you get in an accident with someone that does not have coverage or has limited coverage. This will pay your medical expenses and any other expenses that may happen up to the coverage that you have selected with your plan.
Flood insurance is something that is usually not included with homeowners insurance. This is usually offered to homeowners, renters, condo owners/renters, and commercial owners/renters, and is especially a good idea for those people who live in flood-risk areas like those on the coast or those who live in a desert area that has risk for flash floods.
Depending on where you live, however, you will be limited to certain policies.
- Your premiums as well will be calculated depending on factors like the following: Years of Building Construction
- Building Occupancy
- Number of Floors
- Location of Contents
- Flood Risk Location of the Lowest Floor in Relation to the Elevation Requirement Deductible That You Choose For the basics of what flood insurance covers, flood insurance will usually cover damage from the direct result of flooding and not from anything else like flooding due to a broken pipe or flooding from a broken appliance.
If you have any questions or concerns about flood insurance, feel free to send us your questions. We would be happy to help if you should feel you need flood insurance.
Boat insurance is another great type of insurance to have if you own any type of watercraft. This will protect you, your passengers, and your boat if there is an accident, loss, or damage to the watercraft.
Though there are many different types of watercrafts that boat insurance can cover, some of the smaller watercrafts are not covered.
For the coverage that boat insurance offers, it offers similar policies to auto insurance, including:
- Collision damage
- Property damage liability
- Bodily injury liability
- Additional coverage options
If you love being on the water and care about your boat, be sure to check out what boat insurance can do for you and your family. If you have questions about boat insurance, be sure to call us to get more information about what you can do to save your boat and family from harm.
We know that you love driving across the country in your RV and there’s nothing more freeing than doing that in the comfort of your own motor home, travel trailer, or camper.
But we also know that driving can present a lot of risks, especially when you are driving a larger vehicle than you usually drive. Regardless of whether you are new to driving an RV or whether you have been driving an RV for years, we want to make sure you are protected.
RV insurance is very similar to car insurance; there’s bodily injury and property damage liability, uninsured motorist liability, personal injury protection, limited property damage, and property protection, comprehensive, and collision coverage.
If you have any questions about RV insurance, feel free to give us a call and discuss your different options.
Motorcycles are freedom. Though there are many types of motorcycle vehicles, we cover them all. From sport bikes to trikes, we make sure that you and your beloved bikes are protected. We want to keep you touring, so we offer many different types of policies and coverage for your motorcycle insurance.
We offer bodily injury, property damage, collision, comprehensive, medical, uninsured/underinsured motorist coverage, and damage or loss to your gear and accessories.
If you enjoy the freedom of riding a motorcycle as much as we do, you want to make sure that you are as safe as you can be. Call or email today for a review and quote.
What exactly is umbrella insurance?
Umbrella insurance usually covers anything from injuries, damages to property, lawsuits, and liability situations.
For more specifics, this coverage works in tandem with your other insurances, if you happen to have a car accident that is more expensive than your car insurance covers, your umbrella insurance can step in to cover the remainder of the cost.
Another thing to consider when determining whether you’d like to get umbrella insurance is if you have any rental properties. If you’d like to have extra protection from anyone who is injured on your property, an umbrella policy is a great way to protect yourself for liability that you might have as a landlord.
Do you want more coverage for your home, family, vehicles, and rental properties? Be sure to ask us about the options we have for umbrella coverage.
Rental Property Insurance
Being a landlord is tough work. Not only do you have to take care of your home or apartment, but you have to take care of your tenants’ homes or apartments. It takes a lot of work and patience to be a landlord and unfortunately it is sometimes a thankless job.
Even if you have one apartment or twenty, rental property insurance is one of the most important things when starting to rent properties. If you rent out multiple properties, homes, vacation rentals, or short-term rentals (like Airbnb), rental property insurance is a must. There are a few different types of coverage that you can choose including just a few of the following.
Comprehensive Property Coverage: This type of coverage generally covers named perils, which can be anything from fire, explosions, lightning, hail, and other natural or unnatural perils.
Liability Coverage: This is the same as any other liability coverage in that, if you’re found responsible for an accident or injury to someone on the rental premises, this will provide coverage.
There are more types of coverage to consider when purchasing rental insurance, so be sure to give us a call if you have any questions or would like a quote for your rental insurance.
Whether you're renting a single-family home or an apartment, renters insurance will help protect your Personal Property, Additional Living Expenses, and Liability.
Personal Property Coverage may help cover the cost of replacing your stuff if it's unexpectedly damaged or ruined.
Liability Coverage may help protect you from paying out of pocket for certain costs if you are found legally responsible for.
Additional Living Expenses may help pay for additional costs you incur, such as hotel bills, or for the increased costs you incur on food that are above the amount you would typically spend, because you are unable to live in the home you're renting.
If you would like more information on renters insurance, please call or email us for a quote.
Because your condo association usually has insurance, it will cover the condominium building, common property, and liability insurance. But, inside the walls of your condo, there’s insurance to cover everyday mishaps and accidents. A condo insurance policy covers a break-in, water damage, an injury inside your condo, and more.
The few things to consider when purchasing condo insurance are the interior structure, personal belongings, and liability.
Interior Structure: The association's condominium building policy only covers the exterior of the condos and the common areas, so you’ll want to cover anything that happens to your walls, fixtures, kitchen counters, and other structures.
Personal Belongings: Most often, the first thing that you’ll want to cover are the personal belongings within your condo. These are your responsibility to insure, and with this type of coverage, your insurance can pay to replace them at their current value.
Liability: Liability is a way to cover yourself if people are hurt within your unit—your insurance will cover the cost if you are held liable.
If you’d like more information about condo insurance or a quote, please call or send us an email.
Business insurance is a really important type of insurance for any type of business, from a small LLC to a huge corporation. Because businesses deal with a lot of different people, including employees, consumers, and even government agencies, there are a lot of things that they can be liable for. Though a business requires a significant investment, business insurance is there to protect you, your employees, and other people related to the company. Business insurance will minimize financial risks that are associated with the death of an important employee or owner, a lawsuit, natural disaster, or otherwise.
When choosing business insurance however, there are many things to consider, particularly the risks in your business. If you work in a financially riskier business, you may have to pay a higher premium and may need more insurance than someone who works in a significantly less risky business financially.
For more information about business insurance, and what you should do when starting a business, feel free to contact us with any questions or concerns about business insurance. We can also provide a free quote for you and your business
Property is one of the most important things you can own. And though personal property is important, the commercial property you own and helps you make a living is one of the most important things that you own. Accordingly, you’ll want to make sure that your property is insured, protected, and safe.
Another important type of insurance for any business owner is commercial property insurance, which protects where you do your business. Any structure should be protected, especially the place where you and your employees or co-workers earn your living. With property insurance, you can defend your business from fires, hail, windstorms, and other natural disasters.
Property insurance will also cover any type of property loss. If you own a paper company and a fire destroys your printing press and all of the paper you print is lost, this type of insurance will cover that loss and keep your business functioning until you are able to get back on your feet.
Property insurance will usually protect the building you work in, the sign on your building, any equipment inside or outside of your building, any inventory you have in your building, landscaping, and the property of others that may have been harmed in any incident due to your property.
If you need property insurance or are looking around for quotes, feel free to contact us through email or phone about any questions you may have.
Professional liability insurance or errors and omissions insurance protects businesses from mistakes that they sometimes make, whether that is a professional service mistake or advice that you give that harms your client. Usually this type of insurance will cover any negligence that happens, alleged mistakes or advice that goes awry.
This type of insurance will also cover defense for any lawsuits that you may come across, whether or not you are guilty.
There are many types of names for professional insurance for different types of professions, including some that are familiar like malpractice insurance for medical professionals.
Some examples of where professional liability insurance would be helpful is if you have a software product that doesn’t perform as advertised, or if a doctor performs a surgery and misplaces a tool or does more harm than good. Here are just a few of the professions where this type of coverage would be the best for your company:
- Career or Business Trainers
- Family or Mental Health Counselors
- Personal Trainers
- Real Estate Managers
- Medical Practices and More
If you have more questions about professional liability insurance, feel free to contact us or ask for a quote.
Commercial flood insurance generally covers flood damage, which can be anything from the property, building, equipment, fixtures, and anything else that had flood water damage.
If you are considering flood insurance, you’ll also want to consider that most flood insurance policies have a 30-day wait period before they are effective. This means that if you are expecting a flood or a period of bad weather, you’ll want to prepare in advance, rather than expecting your flood insurance to immediately apply.
General liability insurance coverage protects you, your business and your employees from claims involving bodily injury or property damage, up to the limits of your policy. Policies shield you from the expense of out-of-court settlements, litigation and judgments awarded by courts.
Liability insurance can also cover things you may not have thought about, such as advertising injury in the event your company’s marketing violates someone’s copyright. Business liability insurance coverage even offers some protection against alcohol-related accidents.