We have years of insurance experience helping clients protect what is important to you. Ask us about:
We can access many different insurance products from many different insurance companies so you get the right product for your needs.
Homeowners Insurance will pay to repair or rebuild your home or outbuildings, like a garage, if something unfortunate or even catastrophic happens to it, such as theft, vandalism, storm damage, water damage, or fire. In addition, homeowners insurance protects the personal possessions stored in your home or on your property, such as clothing and furniture. If a guest is injured on your property, a homeowners policy will provide liability coverage, paying their medical expenses and your legal fees if they sue you. Finally, home insurance can even cover items like a swimming pool that increase a homeowner's liability risk or high-value items like fine jewelry, although these often require a higher premium to insure.
Condominiums and Co-op- apartments - generally covers your belongings, liability and certain parts of the interior structure as defined in the by-laws or proprietary lease.
Renters insurance - provides similar property and liability protections to those who don't own their home.
All forms of home insurance also provide additional living expenses (ALE) coverage for the extra costs of living away from home if it is uninhabitable due to damage from an insured disaster.
What is not covered by a standard Homeowners policy
While homeowners insurance covers many types of disaster related damage, there are exceptions. For example, flood insurance and earthquake insurance are both separate types of policies, which may be desirable depending on where you live.
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.
All the Insurance companies we represent provide a wide range of Auto Insurance products at a fair price. Your price gets even better if you qualify for any available discounts. When applying for Auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you and right for your budget.
Having adequate car insurance limits is a serious matter!
If you were ever involved in an accident and found to be at-fault for someone else’s bodily injuries, you could literally lose everything you have if you’re not properly insured. Let’s breakdown some terms so that you understand what you need and what you are purchasing.
Collision Coverage — provides coverage for your car as a result of a collision with another vehicle or object like a curb, a house, a guard rail, etc.
Comprehensive Coverage — provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards
Property Damage — suppose you damage someone’s car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage. This is a mandatory coverage.
Personal Injury Protection (PIP), which provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
Bodily Injury Liability — this coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays the other party for their medical bills and related expenses. Due to the high cost of medical care it is dangerous to carry liability limits that are too low. This is something we can help you decide on. This is a mandatory coverage.
Un-Insured & Under-Insured Liability — these coverage protects you, in the event that you are injured by another party, and that other party was either uninsured or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your injuries.
Common Auto Insurance Rating Variables
Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 65 typically do not get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be
Car — the type of car, engine size, safety features, etc. determines the rate.
Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old
Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household.
A life insurance policy is a protective contract between you (the insured) and an insurer (the life insurance company). In the event of your passing, the life insurance company pays your beneficiary (a person or organization that you choose) a set amount of money (benefit amount).
You can name any person or organization that you'd like as your beneficiary — and you can even name more than one.
Life insurance provides ready money to the people who depend on your paycheck, should you pass away. It can help to:
Think of life insurance like a security blanket that can help financially protect the people you love most
Insurance for your Business
General liability insurance, also known as commercial general liability (CGL), protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:
Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for another person's claims against businesses that provide professional and personal services. Some examples of what could be covered are below:
Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.
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