Home
Homeowners insurance is one of the best ways to protect your most expensive asset: your home. Homeowners insurance is an investment in protecting your most expensive asset, everything you keep inside it, and yourself from unforeseen financial setbacks. It protects you in the case of damages caused by perils such as fire, smoke, water (although usually not flooding), theft, vandalism, a storm, or some other event named in the policy. If your home is damaged, your policy will cover the cost of repairing or replacing your home and its contents following the incident.
Motorcycle, Boat, ATV, RV, Recreational Vehicles
Get specialized coverage for your motorcycle, boat, rv, 4-wheeler, dune buggy, or even golf cart, and ride with confidence. Coverage options include Collision Coverage, Comprehensive Coverage, Property Damage, Bodily Injury and Uninsured Motorist.
Auto
Beyond legal requirements, carrying car insurance is a smart decision. If you cause an accident or get into one with an uninsured or underinsured driver, you may be held responsible to cover related expenses, such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk. Working with an insurance representative to create a car insurance policy that addresses your individual needs and budget can protect you.
Commercial
Getting the right insurance protects your enterprise from any kind of business interruption. Commercial insurance refers to a policy that is meant to protect a business from future risks. Coverage may include business property damage, loss of income due to a business interruption, legal issues, theft, and employees' grievances and more. Let our representatives find you the best coverages suited for your business.
Landlord and Rental
Renters insurance is similar to homeowners insurance, but without the dwelling or structural coverage, since that is included in the landlord’s policy. It’s designed to protect the renter from burdensome out-of-pocket expenses when an unexpected event occurs, like a fire or robbery. The covered expenses on renters insurance policies typically include the replacement of personal property, loss of use when displaced from your home and daily routine, and liability when you may be responsible for someone’s injury that happened in your home. .
Life
There are three main reasons why many Americans get life insurance: 1. To pay for burial and final expenses: even a simple funeral can cost thousands of dollars. The National Funeral Directors Association reports that the median price Americans pay for a funeral is $7,181, as of 2014. When you include the price of a vault, something that most cemeteries require, this comes out to a median price of $8,508. About 51% of Americans get life insurance for this reason, according to LIMRA. 2. To replace income: if you died leaving behind a spouse and young children, it may be hard for them to make ends meet without your income. Money from a life insurance policy can help maintain your family’s standard of living and pay for expenses that go along with raising children. LIMRA reports that 34% of American households get life insurance for this reason. 3. To pay off a mortgage: a large part of your working adult life is dedicated to paying off the mortgage on your house, which can take 30 or more years. Life insurance can help ease the financial burden your family may face to keep a roof over their head after you’re gone. Money from a policy can help them continue to make monthly payments or pay off the entire balance. LIMRA states that 26% of Americans get life insurance for this reason.