Many people think insurance is a bit dry. Well we want to help change that. Here are some interesting insurance facts you may not have thought of.
Our agency truly values the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.
Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital. His medical bills are about $5,000 and he does not have any insurance. Will your homeowner's insurance cover you if the worker decides to file a lawsuit?
Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property. Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury. Homeowner’s insurance does not cover business operations.
How to make sure you are protected
Summer is here for most of us, which means getting outside, traveling, playing sports, and completing home improvement projects. But spring and summer can be dangerous. Here are some of the most common claims that occur in spring and summer.
We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss.
Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed?
Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future.
Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage
Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services.
We can help you determine the right homeowner’s insurance coverage
Every year there are many new homeowners who look to us for help with their first home. Understand homeowner’s insurance can bring stress and misunderstanding, and we are here to help you find the right combination of coverage, price, and service.
We find most first-time home buyers may not understand what is covered and not covered under a typical home insurance policy. Many times the mortgage company will require insurance, and the homeowner won’t question the coverage specifics. But it is just a minimum requirement for what you are purchasing. If you are an uninformed buyer, you might not address every possible scenario that might be covered by another policy.
Keys to understanding your home insurance policy