Home Insurance
Your policy can help after many different losses, including those caused by:
Theft, Fire or lightning, Windstorm or Hail, Smoke, Vandalism or malicious theft, freezing of plumbing system, Weight of ice, snow, or sleet.
Auto Insurance
Liability coverage pays damages due to bodily injury and property damage to others for which you are responsible. State laws dictate the minimum amount of insurance required, but higher amounts are available.
Business Insurance
Business Owners polices allow you to tailor the kind of protection you want for your buildings and business property, depending on your specific needs.
Home Insurance
Whats Covered?
Your House: This includes your home and other structures on your property, such as a storage shed or a detached garage.
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Your Possessions:This includes personal belongings inside your home, such as your clothing, furniture, electronics and certain valuables. It could even cover belongings you take while your away from home.
How deductibles work
A "deductible" is the amount that you are responsible for when you file a claim. Your deductible can be a fixed amount, such as $1,000 or $2,000, or a percentage of the coverage amount, such as 1% or 2%. Say you file a claim for $10,000 after a burglary, and you had chosen a fixed amount deductible of $1,000. The policy covers you for $9,000 and you are only responsible for $1,000.
Auto Insurance
Comprehensive and Collision
Comprehensive: This coverage compensates a covered person for car theft, or if a car is damaged from causes other than collision or vehicle overturning ( for example, fire, wind, or hail damage.) A deductible may apply.
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Collision: This coverage pays for damage to your car from collision or overturning. A deductible is required.
Uninsured Motorist Coverage
This coverage pays damages for injury to the insured when the insured is in a car accident caused by another person who does not have liability insurance. In some states this coverage may also pay for property damage. this coverage varies by state and depends upon policy provisions.
Business Insurance
Professional Liability
Dentist, accountants, architects, engineers, and a variety of other professions are covered against claims alleging a negligent act, error, or omission in the performance or professional services.
Artisan and Service Contractors
Protection is available for buildings and personal property including tools and equipment used at job-sites. Provides liability protections for ongoing and completed transactions.
