Types of Coverages
Your home is one of your biggest assets. That’s why it’s important to do everything you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for your home and your family.
Get the insurance your home needs.
Your home is the center of your life. It’s also your biggest investment. So make sure you cover the unique risks you face with home insurance. Get the right policy that will take care of both small and large risks related to owning a home.
What are the risks your home faces?
Imagine if your house caught on fire. Not only would you lose your home, but you’d also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage. Of course, home insurance may also protect you from more common things like pipe leaks and property damage. Because even small issues can add up, and having comprehensive coverage helps you protect your biggest investment.
Protecting your home starts with the right insurance.
Finding the right coverage for your unique needs can seem overwhelming. We make things simpler by creating an insurance policy that gets you the proper coverage for your house at the right price.
Every home is different, your coverage should be too.
Home insurance policies cover a range of options tailored to fit the needs of your home and lifestyle. When reviewing your home insurance options, consider the following coverages:
Personal Property / Contents
Additional Living Expense /
Loss of Use
Jewelry, Fine Arts & Collectibles
Excess Liability Coverage
Off Premises Theft
Do you have the right home insurance?
Does your current home insurance cover all your needs? Chances are, it doesn’t. As your insurance advisor, we’ll work with you to determine the risks your home faces and customize your coverage to fit your specific needs. Because whether you live in a one-story house or a mansion, it’s the place you call home. And your home deserves to be covered with insurance that’s more than the bare minimum.
Contact us today to discuss your options.
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
Insurance for the vehicle you rely on daily.
A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
What is the minimum required coverage?
Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.
Take your auto policy further with beneficial add-ons.
Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.
Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.
A Business Owners Policy (BOP) combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to your industry.
Why does your business need business owner's insurance?
Because your business faces the unexpected on a daily basis, there are always risks involved. Whether it’s the risk of damage or loss to your property or customers, the only way to protect your business is with the right policy. With the convenience of a BOP, you can minimize the risks and focus on the future of your business.
Two coverages in one policy.
A business owners insurance policy is known as BOP for short. This is appropriate, since it offers a one-two punch. It’s a combination policy bringing together two types of coverages.
Includes property insurance.
The first type is property insurance. Property insurance covers risks associated with your business’ premises, equipment and vehicles. In addition, it often includes any associated loss of business. This is an essential coverage because it ensures your business, assets, and income are protected. For instance, here are a few of the coverages to consider in your business owners policy:
Loss of Income
Loss/Damage of Property
e Vehicle You Rely—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
Also includes liability insurance coverage.
The second type is liability insurance. Liability insurance covers damage to people you deal with and their property. However, it’s important to note that liability insurance usually doesn’t cover risks related to professional services–meaning damages that result from you giving clients inaccurate advice, for instance. The liability coverage included in your business owner's policy is a necessity, especially if:
You meet your clients at your business or theirs.
You have physical access to your clients’ equipment.
There is a risk of damage to people or business.
Customized coverage for your business.
Getting a business owners policy (BOP) means covering all these risks in one go, which significantly reduces stress and brings you peace of mind. Polices are typically custom made to cover your specific needs, and pricing varies depending on your business. However, it’s normally cheaper than buying separate policies for each element.
Understanding your unique business needs.
Designing a business owners policy that works best for you and your business is what we do best. We are focused on understanding your business so we can develop the right policy to protect your business, income, and assets. Most importantly, we want your business to be successful. Finding the right BOP coverage to meet your needs is the best place to start.
So, no matter what kind of business your run, consider the benefits of business owners' insurance. From startups to established businesses, we will develop a custom plan for you. Contact us today to get started!
A step above your typical car insurance.
Your classic car is special to you and that’s why classic car coverage is a special category with some key differences to ordinary auto insurance policies.
A variety of coverages for collector, antique, and classic cars.
First, let’s deal with the name. Different policies may be called classic, collector, or antique car insurance. Exactly what qualifies will depend on the insurance company, but usually, such policies cover cars that are not only of a certain age but have distinctive characteristics such as being particularly rare.
Pay outs are based on an agreed-upon value.
The biggest difference between a classic car coverage and traditional auto insurance is that the insurance company will usually agree to a specific value of the car at the start of the policy. If the car is destroyed or damaged beyond economic repair, your payout is for this agreed-upon value, rather than the usual system of looking at the market cash value of your classic car at the time of the claim. This gives you the peace of mind of knowing you’ll get the right amount with no surprises.
Coverage for authentic parts is often guaranteed.
If the insurance company pays for repairs after a collision, your classic car policy will often guarantee to pay for necessary and authentic parts that might be excluded or exceed coverage limits with an ordinary car insurance policy.
Applies to limited use cars, not daily drivers.
One note of caution, however: many classic car policies only apply to limited usage, whether that’s a specified (low) annual mileage, or only covering trips to exhibitions and parades rather than everyday driving.
Be sure to connect with us to discuss the details of insurance for your classic, collector, or antique car. We can help to find the right policy for you!
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Motorcycle policies that bring you peace of mind.
As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.
Which coverages are legally required?
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
What do collision and comprehensive coverage offer?
Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.
Optional coverages designed to protect your ride.
Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.
SR-22s aren’t technically insurance. Rather, SR-22 filings may be required by your state Department of Motor Vehicles under certain circumstances as proof you carry the minimum required liability insurance. These are also known as filings, bonds, forms, certificates of insurance, certificates of financial responsibility (CFR), or simply referred to as SR-22s.
What is an SR-22?
An SR-22 is a form that proves you have secured appropriate personal auto liability insurance. Liability insurance is the part of an auto insurance policy that provides coverage for property damage or bodily injury that you are responsible for. Most drivers won’t need to have SR-22 filings, but those who are considered high-risk might need to take this extra step. Each state has its own requirements and filings may be required in multiple states under certain circumstances.
Factors that lead to a high-risk classification.
Most drivers with clean records and no traffic violations will not be considered high-risk or subject to SR-22 requirements. There are multiple reasons a person may find themselves in this situation. These include:
There are multiple kinds of SR-22s.
There are three different kinds of SR-22 filings. One is for owners, or people who own and operate their own personal vehicle. One is for operators, which is for those who don’t own a car but sometimes rent or borrow one. Finally, there is an owner/operator filing, which is for those who own their own car but sometimes rent or borrow another.
How much does an SR-22 filing cost?
The cost of an SR-22 will vary from state to state. In some cases, there may be a filing fee that is added to your auto insurance policy premium. Another potential cost to keep in mind is that your driving record can sometimes affect your premium. If you’re deemed high-risk, an insurance company can charge a higher rate.
Not all auto insurance carriers will offer SR-22 filings or provide insurance to high-risk drivers. If you need help finding the best policy for your situation or filing an SR-22, we can help. Contact us to learn more.
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