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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.

1. Poor home maintenance often contributes to disasters or accidents. Maintenance related problems are the homeowners' responsibility, though there are niche insurance products on the market that may be available to protect against appliance wear and tear

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.

1. Poor home maintenance often contributes to disasters or accidents. Maintenance related problems are the homeowners' responsibility, though there are niche insurance products on the market that may be available to protect against appliance wear and tear

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.

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:

• Bodily injury: A personal trainer is working with a      client in their home. The client trips over the trainer’s gym bag and      falls, breaking their wrist. The trainer’s general liability insurance      policy could cover the client’s medical costs, including any lost wages,      that result from the injury.
• Property damage and data loss: An IT consultant is working in a      client’s office when they spill coffee on the server. The machine is      damaged beyond repair and valuable data is lost. The consultant’s general      liability insurance policy could cover the cost to replace the server and      recover the data.
• Personal injury: A business consultant is overheard talking      about a client in a false and unflattering way. The client finds out about      the conversation and sues for slander. The consultant’s general liability      policy could cover defense costs as well as any settlement or judgement.

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:

• Dissatisfied client: A business consultant advises a client to      change several internal processes to increase productivity. The      recommendations are not implemented as specified, and productivity drops      by 15% rather than improving, and the client sues the consultant. A      professional liability policy could protect the consultant, even if no      mistake was made.
• Negligence: A human resources consultant is hired to      update a company’s employment practices. Six months later, the client      calls to say a part-time employee is suing the company because a key      provision for the number of hours part-timers can work was omitted from      the employee manual. The client makes a claim against the consultant,      contending they were responsible for the mistake. The consultant’s      professional liability policy could protect them, including defense costs