Your personal assets should be well protected.
Home/Renters | Car/Motorcycle | Boat/RV | Personal Umbrella
Coverage for your home, cars and other "toys" is vitally important. Click below for further information.
Home / Renters Coverages
- Homeowners Coverage
It is not required by law, but it is required by most banks issuing mortgages on your home. If you own a home, homeowners insurance is essential. Homeowners insurance is designed to pay for damages to your home and its contents, or it can protect you from financial liability if you are held responsible because not a member of your household is injured on your property, includes legal defence cost if you are taken to court. For example, of a branch from a tree on your property were to fall on the home next to the one you own, your homeowners insurance would cover your liability for your neighbor's injury and property damage.
- Personal Liability
Your landlord's insurance does not cover your personal property. A renters policy covers your personal belongings such as your cloths, stereo, furniture, television, bicycle and other items. Renters Insurance protects you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstrorm and water damage from plumbing. It covers your responsibility to other people injured at your home, includes legal defense cost if you are taken to court.
- Condo Coverage
You will need two separate policies to protect your investment. Your own insurance policy will provide coverage for your personal possessions, structural improvements to your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You would also get liability protection. A "master policy" provided by the condominium association. This will cover the common areas you share with others in your building like the roof, basement, elevator, and walkways for both liability and physical damage.
- Flood Insurance
A form of insurance designed to reimburse property owners from loss due to a defined peril of a flood. A flood policy protects you from flood.
Car / Motorcycle Coverages
One of your biggest exposures is when you are driving. Without the proper protection, you can lose everything that you own.
- Automobile Liability
Provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.
- Uninsured Motorists Liability
Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists.
- Medical Payments
Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.
- Rental Car Coverage
Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after a covered loss.
- Towing / Labor
Covers the cost of towing your damaged vehicle to a repair facility in the event of a covered accident.
- Motorcycle Insurance
In most states, the same financial responsibility laws that apply to cars apply to motorcycles. Auto insurance and Motorcycles share many similarities. Full coverage insurance is mandatory when financing a new motorcycle. Whether you're touring, cruising or just out for a spin, with the proper motorcycle insurance you'll know you're protected should something unexpected happen.
Boat / RV Coverages
"Toys" are for fun and relaxation. But, when accidents happen they can become liabilities without the proper insurance.
- Boat and Personal Watercraft
Did you know that your standard homeowners insurance only provides limited coverage. Depending on the size of your wartercraft, the liability coverage may be excluded entirely. There are many different types of watercraft coverage that can be matched to meet your needs. Boat and watercraft owners should consider purchasing their insurance from underwriters who understand the need for unique insurance coverage's, specifically to protect boat owners.
- RV Coverage
We can help you protect your investment and RV lifestyle. If you are financing your motor home, you will be required to provide physical damage coverage for protection against direct, sudden and accidental loss. You may also want to discuss Campsite/Vacation Liability which will provide you with liability coverage when you are parked and using your motor home as a residence. We have policies that provide important standard and optional coverage, and provide the type of coverage that give you peace of mind so you can sit back and enjoy your trip.
Personal Umbrella Liability
How much is enough? A Personal Umbrella increases your limits of coverage.
An Umbrella policy, as they are also known, supplements the liability coverage you already have through your home and auto insurance and provides an extra layer of protection. For example, if you don't have enough liability coverage to resolve a claim or a lawsuit, the person bringing the action might go after your home or your other assets to pay for the damage. Umbrella policies cover damages claims that you, your dependents, or even pets may cause up to the policy limit.
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