What is Auto Insurance?
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.
Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.
Auto Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
Contact us to learn more about the right car insurance for you.
What is Home Insurance?
Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.
It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Typical Home Insurance Coverages
Section I — Property Coverages
What is Umbrella Insurance?
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.
Common Situations Protected by Umbrella Insurance:
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver.
Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.
Motorcycle Insurance Coverages
There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:
What is Boatowners Insurance?
Boat insurance protects a boat, its owner, and passengers in the event of a loss.
Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.
Boating Insurance Coverages
Classic Auto Insurance
What is Classic Auto Insurance?
Classic Car insurance is very similar to regular car insurance, but is often less expensive because the vehicles being insured are not used for every day driving.
There are a number of factors that qualify vehicles for Classic Auto Insurance, including the model year, annual miles driven, and customizations.
Typical Vehicles That Qualify for Classic Car Insurance
What is Roadside Assistance?
Roadside assistance and breakdown coverage are services that assist motorists, or bicyclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.
Types of Assistance That Are Typically Covered
Although there are many different available options and services with our roadside assistance plans and every type of roadside assistance plan includes different options, roadside assistance coverage typically proivides protection for:
What is Condo Insurance?
Condo Insurance is designed for individuals who live in a unit structure owned and insured by a condo association, townhouse association cooperative, homeowner's association, planned community or other similar type of organization.
The insurance the association provides only covers the outside dwelling, not the contents of your unit, so it's important to consider purchasing this type of insurance to protect against personal property losses and liability
Typical Benefits of a Condo Insurance Policy:
Contact us to learn more about the right condo insurance for you.
What is Renters' Insurance?
Renters' insurance is an insurance policy which provides most of the benefits of homeowners' insurance. This includes liability insurance. The tenant's personal property is also covered against named perils such as fire, theft and vandalism. Renters' insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant's belongings
How Much Renters' Insurance Do I Need?
The cost of renters insurance and the amount of personal property coverage you need depends on how much your property is worth.
To get a better understanding of your coverage needs, ask yourself the following questions:
Contact us to learn more about the right renters insurance policy for you.
What is Flood Insurance?
Flood insurance is the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands, floodplains and floodways that are susceptible to flooding.
More About Flood Insurance
Nationwide, only 20% of American homes at risk for floods are actually covered by flood insurance. Most private insurers do not insure against the peril of flood due to the prevalence of adverse selection, which is the purchase of insurance by persons most affected by the specific peril of flood.
Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff of surface waters from any source, and mudflows
This can be brought on by landslides, a hurricane, earthquakes, or other natural disasters that influence flooding, but while a homeowner may, for example, have earthquake coverage, that coverage may not cover floods as a result of earthquakes.
Contact us to learn more about the right amount of flood coverage for your home.