Protection For What You Love
Your life is unique, filled with valuable assets, cherished memories, and dreams for the future — and it deserves the highest level of care and security.
HOMEOWNERS INSURANCE
Homeowners Insurance is essential for protecting your finances and family's safety in case of accidents at home. It safeguards property owners from being fully liable for injuries to others caused by hazardous conditions on their property.
This insurance covers a range of situations, including:
- Property damage claims,
- Injury claims to others whether on or off the premises,
- Liability defense costs,
- Medical expenses for injuries to others.
It provides a crucial safety net, ensuring that homeowners are protected against potentially significant financial burdens from accidents, injuries, and potential lawsuits.
AUTO INSURANCE
Personal Auto Insurance offers comprehensive protection for private passenger vehicles, ensuring against financial losses due to bodily injuries or property damage caused by accidents.
- Liability Coverage: For injuries and property damage to others.
- Comprehensive Coverage: Against theft, vandalism, and natural disasters.
- Collision Coverage: For damages from vehicle collisions.
- Uninsured & Underinsured Motorist Coverage: Protects against drivers without adequate insurance.
- Rental Reimbursement: For substitute vehicles during repairs.
- Personal Injury Protection (PIP): Covers medical expenses and lost wages.
- Roadside Assistance & Towing:
- Help in breakdowns and emergencies.
This extensive coverage ensures drivers and their vehicles are well-protected in a variety of situations.
DWELLING FIRE INSURANCE
Landlords Insurance, or Dwelling Fire Insurance, is crucial for rental property owners, covering damages from fires, natural disasters, or tenant actions. It includes liability for property damage or injuries, legal fees in lawsuits, and compensates for lost rental income during repairs, providing comprehensive protection for landlords.
RENTERS INSURANCE
Renters Insurance provides financial protection for renters against the loss or damage of personal belongings due to fire, vandalism, or theft. It also covers additional living expenses if the rental becomes uninhabitable. The policy includes options like Actual Cash Value, Replacement Cost for new items, and Liability Coverage for injury claims within the rented property, covering medical and legal costs.
CONDO INSURANCE
Condominium Insurance provides specialized coverage for condo owners, covering personal belongings, interior damages like drywall and fixtures, and offering basic liability for injuries and property damage. It uniquely includes Guest Medical Protection, paying for medical expenses if someone is injured on the property, ensuring a comprehensive protection tailored for condo living.
PERSONAL UMBRELLA
Personal Umbrella Liability Insurance provides an additional layer of protection when damages exceed the limits of standard policies, protecting assets like your home, car, future wages, and other valuables in catastrophic financial events. It covers a wide range of incidents that may not be included in basic insurance, such as car accidents, injuries on your property, incidents involving recreational vehicles, golf course injuries, legal defense fees, and personal injury claims including libel and slander.
RECREATIONAL VEHICLES
RV Insurance is designed to keep you worry-free on the road, offering a suite of protections. It includes Liability Insurance to cover any damage or injuries you might accidentally cause to others. Collision Coverage takes care of your RV's repair needs if you're in an accident, while Comprehensive Coverage handles unexpected events like theft or weather damage. If an underinsured driver hits you, Uninsured/Underinsured Motorist Protection steps in to cover the costs. Plus, Personal Property Coverage ensures the items inside your RV are safe, safeguarding your belongings from theft or damage.
SPECIALTY AUTO
Specialty Auto Insurance offers the familiar coverage found in standard auto policies, but with additional benefits tailored to unique vehicles. It caters to a wide range of specialty vehicles, including hot rods, modified vehicles, antique and classic cars, collectibles, custom-built cars, race cars, and show cars. This type of insurance is specifically designed to address the unique needs and values of these extraordinary vehicles, providing owners with both standard protection and specialized care for their prized automotive investments.