Whether on the Road or at Home, We can get you covered

A homeowner’s insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.

Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.

Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle “small” injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.

Where will you live if your home is badly damaged?

If move into a hotel or apartment for a while because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.

Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!

This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you!

This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.

Hail and other “acts of God” are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.