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Coverage Details
Our agency is able to provide any type of insurance coverage that you may need. Insurance can be confusing but our team can make things easy to understand. Below is a list of common types of coverage.
If you have questions about these or anything not listed, feel free to reach out to us anytime.
Car Insurance
Car insurance helps protect you, your vehicle and your passengers if something unexpected happens on the road. We offer different types of coverage, including liability, collision and comprehensive (aka full coverage), rental reimbursement, roadside assistance, and more, that all work together to keep you
covered.
Liability: pays for someone else's injuries or damages to their property if you are found at fault in an accident.
Collision and Comprehensive: pays for damage to your car if you are in an accident. Also pays for damage/loss from theft, flood, hail, vandalism, and more.
Rental Car Reimbursement: pays for a rental car if your car is in the shop for repairs from a covered claim.
Uninsured Motorist Coverage: pays for your injuries or damage to your car if you are hit by someone without insurance.
Home Insurance
Home insurance is a vital part of your insurance plan and protects one of your biggest assets. It protects your home from various types of damage, such as wind, hail, hurricane, fire, theft, water, and more. There are certain common exclusions, such as flood damage and wear and tear, but can our policies protect you from many of life's hazards. Common policy coverages include:
Dwelling Coverage: pays for damage to the home itself and things that are built-in.
Personal Property (Contents) Coverage: pays for your belongings inside your home and stored off-premises. While there are certain limitations and exclusions on items like jewelry, firearms, and motorized vehicles, most of your possessions are protected.
Liability: pays for injuries or damages that the homeowner is found responsible for. For example, a guest trips and falls, dead tree falls on your neighbor's car, child throws a baseball through your neighbor's window, and more.
Deductible: this is the amount of money that the homeowner pays out of pocket before the insurance company pays anything. The actual amount can vary based on dwelling coverage amount, type of damage, and geographic location.
Landlords Insurance
Type of home insurance policy that is specifically meant to coverage rental or non-owner occupied residences. Coverage can be tailored to meet the owner's needs. It can also pay for lost rent if a claim is filed on the home and the landlord cannot collect rent payments during repair/reconstruction.
Renters Insurance
Renters insurance has two primary coverages. One, it pays for tenants belongings if they are stolen or damaged in a covered claim. Two, it pays for expenses (lawyer fees, settlement, etc.) if the tenant is sued and covered by the insurance policy.
Life Insurance
One of the most important coverages that we offer. These policies are highly customizable and pay a certain amount of money to beneficiaries (family members, friends, business partners) if the policyholder passes away.
Motorcycle Insurance
Special type of auto insurance meant for motorcycles, off-road vehicles, ATVs, golf carts, etc.. The coverage is similar to a normal auto policy but includes some unique options pertaining to the type of vehicle.
Personal Umbrella Insurance
Personal Umbrella Insurance
A simple but important type of policy. This provides additional liability coverage if you have a claim that exceeds the amount of liability coverage on your home, auto, motorcycle, etc. policy. For example, someone sues you for $1,000,000 but your auto policy only provides $500,000 in coverage. Instead of you paying $500,000 out of pocket, the umbrella policy will pay it.
Commercial / Business Auto Insurance
A special type of car insurance that is meant for vehicles owned and used by a business. Businesses often have higher risks while traveling to jobsites, making deliveries, etc. and we can make sure your livelihood is properly protected.
Condo Insurance
Condo Insurance
Condos and townhomes may have master policies provided by their homeowner association that provide coverage for the exterior of the home. Condo policies provide a special type of coverage that is primarily meant for everything inside the home (aka "walls-in"). Condo insurance provides coverage for flooring, appliances, sheetrock, painting, electrical, plumbing, etc. It also provides coverage for the homeowners belongings and liability coverage in case the homeowner is sued for something that happens at the home.
Boat Insurance
RV Insurance
We know that an RV, travel trailer, and/or motorhome brings adventure and creates memories. Unfortunately, things can go wrong during storage, in transit, or on a trip. Our policies protect you from liability claims, physical damage to your RV and its contents, and more.
Flood Insurance
Damage to your home and belongings from floodwater (rising groundwater) is typically excluded from a home insurance policy. While a rare occurrence, a flood can turn your world upside down. We have several different companies to offer coverage and the policies can be customized to meet your needs.
Boats are subject to unique risks. Even the most skilled and knowledgeable boat owners and captains face things out of their control. Our boat policies protect your boat and trailer from damage during storage, use, and transit. The policies also provide coverage in case someone is hurt on your boat or you inadvertently cause damage to someone else and/or their boat and property.