Personal Insurance

When unexpected things happen, homeowners insurance can protect you and your belongings. Homeowners insurance can help cover repairs, replacement, temporary housing, medical bills, legal fees, and more if your home is damaged, belongings are stolen, or there is an injury on your property. 

It is highly recommended and sometimes required, to have a homeowners policy if you own a home or condo. In some cases, you may need separate policies or coverage to ensure you’re protected from natural disasters such as floods, earthquakes, windstorms, or hail. 

Auto insurance is designed to protect you and everyone who shares the road with you. Most states require that you have car insurance if you own a vehicle. Sometimes specific coverages or policy limits are required depending on your situation.

In short, if you were to cause an accident, you may be held responsible to cover the related expenses so it is a smart choice to ensure you are covered and have auto insurance.

Umbrella insurance policies provide an extra layer of protection that steps in when your regular insurance policy simply isn’t enough. When claims costs exceed the limits of your home insurance or auto insurance policies, umbrella insurance helps protect you. An umbrella policy can also help cover defense costs if you are being sued for damages to someone else’s property or injuries caused to others in an accident. There is an umbrella policy for both commercial and personal insurances. Personal umbrella policies provide that extra layer of protection on their homeowners, personal auto, and boat policies. Commercial umbrella policies provide protection on the insured’s general liability, business auto, and employers’ liability insurance.

If your business needs to report a loss, be sure to do so right away. Give us a call and we can direct and assist you through the entire process.