A home can require a tremendous investment of money, time, and energy. Homeowner’s insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, and providing liability protection for the residents. Through homeowner’s insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. A basic homeowner’s policy helps protect, up to the policy limit, against losses from 11 perils, such as fire, wind, theft, vandalism, and so on. You can purchase more extensive coverage to cover other mishaps. Losses due to events that have the potential for more widespread destruction, such as floods, earthquakes, and wars, are excluded from basic homeowner’s insurance policies. You must purchase separate policies to cover against such catastrophes.
If you rent an apartment or a house, the building owner is responsible for any perils that befall the property. Rest assured, if the place burns down, your landlord’s insurance is responsible to compensate him for damage to the structure. But if your personal belongings — your furniture, your stereo, your clothing — are destroyed, it’s you who loses — unless you have renter’s insurance. Renter’s insurance is a kind of homeowner’s policy for non-homeowners. It contains most of the same provisions of a basic homeowner’s policy, except the part that covers the home itself. Up to certain limits, a renter’s policy covers your personal belongings against destruction or theft, and protects you against claims of liability if you cause injury to someone or their property.
Whether you drive a sports car or an old pickup truck, it’s likely that the law requires you to purchase auto insurance. But there are many options over and above your state’s mandated minimum insurance. Buying additional coverage could save you money on repair bills or cover a judgment against you in the event of a lawsuit. Understanding the types of coverage and their benefits may help you decide what sort of package you need for your own auto policy. And it could also help you compare the offerings of competing insurance carriers. The cost of your insurance will depend on the types and levels of coverage that you select, your age and driving history, and a host of other factors.
While circumstances can vary, life insurance is often a great investment, both for your peace of mind and for your financial future. Life insurance is typically available in two forms, term life and whole life. Term life policies protect you for a specific period of time, while whole life is permanent and cannot be outlived. We offer Term and Whole Life products through multiple carriers. Talk to us today to see which of these options may be the best option for you.
Farm insurance works to cover both your investments personally and commercially. It covers the homes, structures, equipment and animals associated with the farm and farming operations. This is like a standard homeowners policy, which covers your home possessions and personal liability, but farm insurance will also cover your machinery and livestock. It also covers the liability associated with farming, including pollution.
We do Multi-Peril crop insurance as well as Hail and Fire policies. Multi-Peril policies cover all forms of loss associated with crops, such as drought, flooding, prevent plant, re-plant, pests, and quality issues. There is also an element to Mutl-Peril crop insurance that guarantees revenue for the crops.
Business insurance is both property and liability coverage for any business. We offer a broad array of coverages for different business types, including , but not limited to, restaurants, contractors, welders, landscapers, professional offices, retail stores, and many more. We even have markets for very specialized, hard to cover businesses.
Workers’ compensation provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. It also provides a deceased workers’ family with a financial benefit. If a workers’ family decides to sue a company, it can also help cover the related legal fees.
Although many states still do not require a license to operate a recreational watercraft, don’t let that fool you into thinking insurance must not be necessary either. Not every state requires insurance, but operating a watercraft carries many of the same risks that are attendant when you operate a vehicle on the land, plus a few others. If you have a homeowner’s policy, you may already have some coverage for your boat. For example, a standard policy typically will pay up to $1,000 for any damage to your boat sustained while it is stored at your house. And the liability coverage in a homeowner’s policy may provide limited protection if you injure others by your negligent operation of a watercraft. But in an era when boat prices can range from that of a used car to that of a large home, you may decide you need added protection. Recreational boat insurance is similar to automobile insurance. You can purchase liability coverage and physical damage coverage. Some polices also offer medical payments, uninsured boater coverage, and legal defense coverage.
If you are familiar with the basics of automobile insurance, then you may already know more than you think about motorcycle insurance. If you ride a motorcycle on public roadways, you’ll need the same basics as your automobile insurance: liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Motorcycles can be riskier than other vehicles. As a result, the cost of motorcycle insurance varies widely, so it pays to shop around. If you are concerned about high cost, you may want to consider some of the factors that affect motorcycle insurance premiums and take advantage of as many reductions as possible. For example, some companies offer discounts if you complete a motorcycle safety course, and for using additional safety and anti-theft equipment. Carrying all your other insurance policies with a single company can also lower the price. Your annual mileage, the bike’s make, model, age, horsepower, and where it is stored can all affect the amount of your premium. As always, maintaining a clean driving record can keep your premiums down.
An accident is probably the last thing on your mind when you are operating an all-terrain vehicle, motorhome, snowmobile, golf cart or other specialty recreation vehicles. After all, these kinds of grown-up toys were designed for fun. But they also present a certain level of risk that you may want to protect against with insurance.
We know you love your classic and collector vehicles, and we want to help you protect and enjoy them. Classic and collector car insurance is a special type of policy that will protect your antique or classic car, such as muscle cars, hot rods, vintage military vehicles, or exotic or luxury vehicles. Often a collector car is a significant investment of time and money, and you want to be sure you’ve got the proper protection for your vehicle.
A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligation. Posting bail for people accused of crimes in exchange for freedom is common in the United States, but uncommon in the rest of the world.