Personal Coverage

Auto

     Personal Auto Liability insurance helps you pay for another person's injuries or property damage if you are at fault in an accident.
     Bodily injury coverage - covers medical costs, funeral expenses, lost income and pain and suffering of people injured by you in an accident.
     Property damage coverage - reimburses accident victims for the repair or replacement of belongings damaged by you in an accident. It covers both someone else’s car or property; for instance, if you hit a sign or house.
     Liability insurance does not cover damage to your own vehicle if you are at-fault in an accident, you need collision and comprehensive coverage to pay for those damages.
     Nor does liability insurance reimburse you for medical expenses if you are at-fault in an accident, your personal health insurance plan may be able to cover unreimbursed medical costs along with car insurance medical coverages you may carry, such as personal injury protection or medical payments.

BE SURE TO ASK US ABOUT ALL POSSIBLE COVERAGES AVAILABLE TO YOU.

Homeowners & Dwelling

     Covers your home and property for “covered perils.” Coverage includes damage from fire, smoke, storms, lightning, hail, vandalism and damage from a car. Property damage coverage is meant to repair your home or completely rebuild the structure if needed.
Personal property protection covers your possessions, such as clothing, furniture, electronics and appliances. Coverage for your belongings is usually between 50% and 70% of your dwelling’s coverage.

You can also buy additional protection

• Liability protection covers you if you’re sued for bodily injury or property damage caused by you or a family member. Liability also covers legal costs and court damages if you are sued. The standard home insurance policy includes $100,000 of liability.

• Valuable Items: standard home insurance policies usually offer limited coverage for items like jewelry. Homeowners should take an inventory of belongings to gauge how much protection is needed for valuable items. You can increase coverage limits or endorsement for higher coverage limits.

• Additional living expenses protection helps you out if a fire, storm or other covered peril damages your home and it is unlivable. The coverage provides compensation to live elsewhere temporarily. That protection includes paying for hotel and restaurant bills and other living expenses.

• Medical Payments covers the medical costs if a visitor to your property is hurt in a minor incident, regardless of liability. Typical limits run from $1,000 up to $5,000. This coverage helps avoid potential litigation or use of liability coverage.

Manufactured Homes

     All the coverages available on a traditional house insurance policy is available on manufactured homes.

Renter's

     Renters Insurance The national average yearly cost of renters insurance policy for $100,000 of liability protection is $326, or about $27 a month.
     Renters insurance policy covers you if your personal property is damaged while you are a tenant.
     Renters insurance primarily offers 3 coverages; personal property coverage, additional living expenses coverage and, personal liability coverage.
     It does not cover your medical bills, collectibles, jewelry etc., but you can buy an endorsement to make sure those things will be covered, too.

Motorcycle, Boat & ATV

     Protect all of your toys on their own separate policies. Don’t assume your homeowner’s policy will cover them.

Recreational Vehicle (RV)

     Recreational Vehicle insurances work quite similar to car insurance. Just like with other vehicles, this can protect you in different scenarios. The most common types of RV coverage include collision, comprehensible, and liability coverage. If your RV gets damaged or destroyed, depending on the amount and level of insurance on your RV, that will be covered, too. Besides the basic coverage you should get for your RV, there are more specialized options that you should consider. These options include total loss replacement, custom equipment, roadside assistance, vacation liability, and personal effects.