Personal Insurance Options
Your home is a major purchase that needs to be insured properly to protect your investment. Our responsibility is to educate you on the coverages and limits you need so you’ll be protected when you need it most.
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
When looking at your homeowners policy, there are some important questions to ask to ensure you have the proper coverage:
1. What is the value of my property?
The right limit here is not what your home is worth, but rather the cost associated with rebuilding your home.
2. What is the value of my personal property?
Putting a limit on all of your personal property can be tough. Our expert team can help you assess the proper limit to ensure all of your belongings are protected.
3. How much liability protection do I need?
Knowing the right limit for liability protection can be tough to calculate. Ideally, it should be enought to protect all of your assets, but there are situations where you may need it to be even higher.
4. Do I have any unique or valuable items?
Items like jewelry and antiques will often require additional coverage to ensure they’re properly protected.
Our primary goal is providing our clients with the MOST affordable and comprehensive car insurance options available. As Independent Agents we do all of the quoting work for you. With access to a variety of competitive carriers we provide you with multiple money-saving quotes.
There are many things to consider when insuring your vehicle. The main coverage items on your policy include:
- Bodily-injury liability. This coverage pays for someone else’s legal damages if you are at fault. The cost for this coverage is minimally impacted by the age of your vehicle. If anything, companies charge more for older cars due to fewer safety features.
- Uninsured and Underinsured Motorist (“UM”). This coverage pays your bodily-injury legal damages if another driver is at fault and does not have adequate bodily-injury liability coverage. Similar to liability coverage, the cost for UM coverage does not decrease as a vehicle gets older.
- Medical. This coverage pays for your medical bills, regardless of fault. Similar to the two prior coverages, the cost for this coverage does not decrease as a car gets older.
- “Comprehensive” – a/k/a Physical damage coverage for “other than collision”. This covers damage to your vehicle that is not the result of a “collision”. Age matters here. However, it only matters if your car is deemed a total loss – then the insurance company would pay less for an older car. Most claims do NOT result in a total loss. Rather, most claims are repair situations, and the cost of repairs (parts and labor), generally increases each year.
- Collision. This covers damage to your vehicle that is the result of a collision. The same answer for comprehensive applies here. Most accidents do not result in a total loss.
Our agents are also very dedicated with providing the right coverage while still saving you premium dollars. We take the time to personally assess your individual situation and present you with the coverages and limits that properly protect you and your family.
Life insurance is one of the most important purchases you will ever make. In the event of a tragedy, life insurance will help pay bills, finance future needs, cover college expenses, and protect your spouse’s retirement plans.
There are two main types of life insurance policies – Term Life and Whole Life. Each policy contains different options ensuring the policy you purchase is unique to you and your family.
Term Life: This is the most affordable type of insurance and is designed to offset any temporary needs. This policy only pays the benefit if you pass away during the term on the policy.
Whole Life: Provides lifelong protection as long as you pay the premiums. Because it is designed to last a lifetime, the policy actually accumulates a cash value, which can be withdrawn after a certain amount of time.
There are a number of factors to take into consideration when calculating the proper amount of life insurance to purchase. Here are just a few questions you should ask:
How much money would my family immediately need to pay outstanding debts or funeral expenses?
How much do I owe on my mortgage?
How much money would it take for my family to maintain their standard of living?
How much do I currently have saved to assist with these expenses?
Our agents will walk you through these questions and many others to help you determine how much life insurance is adequate for you and your family.
The more you have acquired, the more you need to protect yourself and your family. Your financial security could be impacted due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted.
Umbrella insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto.
The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you’re legally responsible for up to the policy limit.
An umbrella policy provides additional coverage or “excess liability” above the limits of your basic policies. It can protect you from bodily injury liability claims and property damage liability claims. Umbrella policies also provide a broader form of coverage and can help cover legal fees, false arrest, libel, and slander.
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
Contemplating and planning for a long-term care event is arguably the most challenging area for clients nearing retirement. We see couples continuously struggle with how to handle this risk. Unfortunately, it’s generally ignored. It doesn’t help that many myths surround long-term care. For example, people oftentimes think Medicare or the new health-care legislation covers long-term care expenses.
Given longer life expectancies, the demographics and trends are grim concerning the number of people who will need care as the Baby Boomers age. Please don’t ignore this risk because the choices and outcomes could be devastating. Giving some thought to a plan now could save you and your family from extreme hardship later. If you have ever experienced caregiving, you know how physically and emotionally exhausting it can be.
Until recently, the only real option in the insurance market was the traditional long-term care policy that has now become quite expensive. But the insurance marketplace has evolved, and there are many new product offerings. If you haven’t looked lately, you might look again. There are now products and solutions that can fit nearly every budget.
https://longtermcare.acl.gov/costs-how-to-pay/what-is-long-term-care-insurance/
While homeowners policies can limit coverage or coverage amounts based on the type of item and cause of loss, valuable items coverage may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.
Consider Valuable Items Coverage For:
- Jewelry and engagement rings
- Silverware, china and crystal
- Antiques
- Fine art
- Stamp and coin collections
- Bicycles
- Trophies
- Sound equipment (recorders)
- Sports equipment (archery, camping, fishing, skiing)
- Wedding gifts
- Cameras
- Computers
- Musical instruments
- Golf Equipment
- Furs
- Guns
- Pedigreed dogs
- Garden tractors
- Political campaign collections
Your home is a major purchase that needs to be insured properly to protect your investment. Our responsibility is to educate you on the coverages and limits you need so you’ll be protected when you need it most.
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
When looking at your homeowners policy, there are some important questions to ask to ensure you have the proper coverage:
1. What is the value of my property?
The right limit here is not what your home is worth, but rather the cost associated with rebuilding your home.
2. What is the value of my personal property?
Putting a limit on all of your personal property can be tough. Our expert team can help you assess the proper limit to ensure all of your belongings are protected.
3. How much liability protection do I need?
Knowing the right limit for liability protection can be tough to calculate. Ideally, it should be enought to protect all of your assets, but there are situations where you may need it to be even higher.
4. Do I have any unique or valuable items?
Items like jewelry and antiques will often require additional coverage to ensure they’re properly protected.
Our primary goal is providing our clients with the MOST affordable and comprehensive car insurance options available. As Independent Agents we do all of the quoting work for you. With access to a variety of competitive carriers we provide you with multiple money-saving quotes.
There are many things to consider when insuring your vehicle. The main coverage items on your policy include:
- Bodily-injury liability. This coverage pays for someone else’s legal damages if you are at fault. The cost for this coverage is minimally impacted by the age of your vehicle. If anything, companies charge more for older cars due to fewer safety features.
- Uninsured and Underinsured Motorist (“UM”). This coverage pays your bodily-injury legal damages if another driver is at fault and does not have adequate bodily-injury liability coverage. Similar to liability coverage, the cost for UM coverage does not decrease as a vehicle gets older.
- Medical. This coverage pays for your medical bills, regardless of fault. Similar to the two prior coverages, the cost for this coverage does not decrease as a car gets older.
- “Comprehensive” – a/k/a Physical damage coverage for “other than collision”. This covers damage to your vehicle that is not the result of a “collision”. Age matters here. However, it only matters if your car is deemed a total loss – then the insurance company would pay less for an older car. Most claims do NOT result in a total loss. Rather, most claims are repair situations, and the cost of repairs (parts and labor), generally increases each year.
- Collision. This covers damage to your vehicle that is the result of a collision. The same answer for comprehensive applies here. Most accidents do not result in a total loss.
Our agents are also very dedicated with providing the right coverage while still saving you premium dollars. We take the time to personally assess your individual situation and present you with the coverages and limits that properly protect you and your family.
Life insurance is one of the most important purchases you will ever make. In the event of a tragedy, life insurance will help pay bills, finance future needs, cover college expenses, and protect your spouse’s retirement plans.
There are two main types of life insurance policies – Term Life and Whole Life. Each policy contains different options ensuring the policy you purchase is unique to you and your family.
Term Life: This is the most affordable type of insurance and is designed to offset any temporary needs. This policy only pays the benefit if you pass away during the term on the policy.
Whole Life: Provides lifelong protection as long as you pay the premiums. Because it is designed to last a lifetime, the policy actually accumulates a cash value, which can be withdrawn after a certain amount of time.
There are a number of factors to take into consideration when calculating the proper amount of life insurance to purchase. Here are just a few questions you should ask:
How much money would my family immediately need to pay outstanding debts or funeral expenses?
How much do I owe on my mortgage?
How much money would it take for my family to maintain their standard of living?
How much do I currently have saved to assist with these expenses?
Our agents will walk you through these questions and many others to help you determine how much life insurance is adequate for you and your family.
The more you have acquired, the more you need to protect yourself and your family. Your financial security could be impacted due to accidental events you may have thought were adequately covered. Excess liability insurance responds when the underlying liability limits of your various other policies have been exhausted.
Umbrella insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto.
The main purpose of your umbrella policy is to protect your assets from an unforeseen event, such as a tragic accident in which you are held responsible for damages or bodily injuries. If another party files a lawsuit against you, your umbrella coverage will pay for the damages you’re legally responsible for up to the policy limit.
An umbrella policy provides additional coverage or “excess liability” above the limits of your basic policies. It can protect you from bodily injury liability claims and property damage liability claims. Umbrella policies also provide a broader form of coverage and can help cover legal fees, false arrest, libel, and slander.
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
Contemplating and planning for a long-term care event is arguably the most challenging area for clients nearing retirement. We see couples continuously struggle with how to handle this risk. Unfortunately, it’s generally ignored. It doesn’t help that many myths surround long-term care. For example, people oftentimes think Medicare or the new health-care legislation covers long-term care expenses.
Given longer life expectancies, the demographics and trends are grim concerning the number of people who will need care as the Baby Boomers age. Please don’t ignore this risk because the choices and outcomes could be devastating. Giving some thought to a plan now could save you and your family from extreme hardship later. If you have ever experienced caregiving, you know how physically and emotionally exhausting it can be.
Until recently, the only real option in the insurance market was the traditional long-term care policy that has now become quite expensive. But the insurance marketplace has evolved, and there are many new product offerings. If you haven’t looked lately, you might look again. There are now products and solutions that can fit nearly every budget.
https://longtermcare.acl.gov/costs-how-to-pay/what-is-long-term-care-insurance/
While homeowners policies can limit coverage or coverage amounts based on the type of item and cause of loss, valuable items coverage may provide the protection you need for your valuable possessions in the event of covered loss from, for example, theft or fire.
Consider Valuable Items Coverage For:
- Jewelry and engagement rings
- Silverware, china and crystal
- Antiques
- Fine art
- Stamp and coin collections
- Bicycles
- Trophies
- Sound equipment (recorders)
- Sports equipment (archery, camping, fishing, skiing)
- Wedding gifts
- Cameras
- Computers
- Musical instruments
- Golf Equipment
- Furs
- Guns
- Pedigreed dogs
- Garden tractors
- Political campaign collections
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