HOME
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against non-vehicular related accidents both on and off premises
AUTO
Auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays costs associated with an auto accident up to the limits selected by the policy owner.
LIFE
Life insurance protects your family or co-workers from financial hardship should you pass unexpectedly. This is a contract between an insurance company and policyholder in which the insurance company pays the policy holder’s beneficiary (family member, co-worker, etc.) a predetermined cash settlement upon the insured’s death. This is most often used to pay off debt, replace income, replace unpaid labor such as child care, and pay for future expenses.
UMBRELLA
An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured's homeowners, auto, or other primary insurance policies. It provides an additional layer of security to those who are at risk of being sued for damages to other people's property or injuries caused to others in an accident. It also protects against libel, slander, and invasion of privacy.
PERSONAL ARTICLES FLOATER
A Personal Article Floater or “Inland Marine” policy is a type of insurance that covers property that is easily movable and provides additional coverage over what normal insurance policies do. This can cover anything from jewelry to art and firearms.
MOTORCYCLE / BOAT / RV
A “toy” policy is a policy separate from your home and auto policy and can cover your boat, RV, ATV, Motorcycle, Travel Trailer or other non-traditional motorized vehicles. These policies can cover the cost of repairs to your damaged vehicle, but can also cover damage to other’s property and medical payments for others should they be injured.