Types of Insurance

Homeowners Insurance

Homeowners insurance is a type of property insurance that covers a private residence.

A typical homeowners insurance policy covers your home and personal property against damage from:

  • fire

  • lightning

  • tornadoes

  • hurricane

  • water damage (excluding flood)

  • liability

  • theft

  • vandalism

  • among many other perils

 

Commercial Insurance is coverage for businesses for protection against potential losses through unforeseen circumstances like theft, liability, property damage, and for coverage in the event of an interruption of business or injured employees.

Commercial Insurance
 
  • Property insurance covers losses and damages to your business property and inventory.

  • Liability insurance covers your business from any inadvertent mistakes by you or your employees that cause injuries to a third party.

  • It covers your business from the claims of employees injured during the course of employment.


     

 

Flood Insurance
 

Flood insurance simply covers your property from a loss due to flooding.

NFIP’s building property policy cover that includes:

  • Your home and its foundation

  • Electrical and plumbing systems

  • HVAC equipment like air conditioning, furnaces, and water heaters

  • Kitchen appliances, including your refrigerator, stove, and built-ins such as your dishwasher

  • Permanently installed carpeting over an unfinished floor

  • Permanently installed wallboard, paneling, bookcases, and cabinets

  • Detached garages (limited to 10% of your home policy)

The NFIP policy that covers your personal property will cover: 

  • Clothing, furniture, and electronic equipment

  • Window AC units

  • Portable microwaves and dishwashers

  • Washer/dryers

  • Up to $2,500 in valuables, such as art and furs.

Plus more that you can address with your agent

Umbrella Insurance
 

Umbrella insurance is a form of liability insurance that  supplements your basic insurance policies, such as your auto, home or renters insurance.

  • An umbrella liability policy covers a much  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 where you are held responsible for bodily injury and damages.
Life Insurance
 

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured.

  • Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • There are many policies which are affordable and will suit your needs. We will explain the differences in each to see what works best for you.

Group Health Insurance
 

Group health insurance is insurance that is offered to a group of people. Group health insurance is offered by companies or by other organizations as a part of a benefits package.

Automobile Insurance
 

Auto insurance protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

Automobile insurance provides coverage for:

  • Property – damage to or theft of your car

  • Liability – damage done to others for bodily injury or property damage

  • Medical – the cost of going to the doctor, treating injuries, rehabilitation and sometimes lost wages and funeral expenses

 
Boat Insurance
 

Boat insurance covers you in the event of a loss or damage to your boat. While it covers most watercraft with motors, including fishing boats, pontoon boats, paddle boats, leisure crafts and yachts.

Boat insurance provides coverage for:

  •  Repair or replacement of your boat.

  • Damage you may cause to someone else’s boat, a dock, or other property or structures.

  •  Injuries you may cause someone while using your boat; includes medical bills, lost income, legal expenses and more

  • If your boat is vandalized, stolen, or damaged in an incident other than a collision compensations is provided

 
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