Insurance
INSURANCE
INSURANCE CAN BE CONFUSING. WE ARE HERE TO HELP!
Below are short descriptions of the most common types of insurance. Please contact us for more detailed information and to find out which are right for you.
HOME INSURANCE
Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy will cover the following:
- The structure of your home
- Replacement costs
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
- Liability
You can also add supplemental policies such as:
- Valuable Articles/Floater policies (i.e. Jewelry Insurance)
- Flood policies
- Umbrella policies (additional liability)
VEHICLE INSURANCE
The insurance protection you need when you’re on the move:
- Auto Insurance – Get the right insurance coverage for your car, truck, van or other vehicles.
- Motorcycle Insurance – Ride safe and insure your motorcycle.
- ATV and Motorsport Insurance – Insurance policies that cover all your toys.
- Classic Car Insurance – Your classic car is an icon. Insure it well.
- RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
- Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
LIFE INSURANCE
Life insurance can be the foundation of financial security for you and your family. It can be the base upon which other insurance and investment decisions are built.
- Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
- Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
- Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
UMBRELLA INSURANCE
Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.
ACCIDENT INSURANCE
Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.
COMMERCIAL/SMALL BUSINESS INSURANCE
A business owners policy, also known as a BOP, combines property insurance, liability insurance and other common coverages into one convenient package.