Auto
Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.
Liability
Medical payments
Uninsured motorist/Underinsured motorist
Damage to your auto
Personal injury protection (No Fault)
Additional, optional coverages
In order for your insurance coverage to take effect, all drivers and cars must be specifically listed on your policy. You should also refer to your insurance policy for the specific terms and conditions of the coverage.
Home
Protect your house — and your possessions — with home insurance through our agency. For homeowners, insurance protection is an important piece of homeownership. Buying home insurance means buying protection for your home — both inside and out.
We offer home insurance, condo insurance and renters insurance to new and existing clients with the most competitive insurance companies with some of the best coverages in the industry.
What is home insurance?
Home insurance is an important purchase for many Americans. Although home insurance is not required by law in most states, if you have a mortgage on your property, your lender may require the purchase of insurance on your home.
The Coverages offered to homeowners are typically contained in a package of property and liability coverages. This consumer guide principally addresses the package of coverages found in a “homeowners” policy. It does not address the state special programs established to meet special needs, including availability. Contact your state’s insurance department for more detail about special conditions or programs in you state.
Homeowners insurance, or home insurance, compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment. Home insurance also protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.
Life
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.
Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.1
There are many varieties of life insurance. Some of the more common types: .
TERM LIFE INSURANCE
UNIVERSAL LIFE INSURANCE
WHOLE LIFE INSURANCE
For more information or if you would like to request a quote.