Auto Insurance
Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. Policies can include various types of coverage, such as liability, collision, comprehensive, uninsured motorist protection, and more.
The right coverage depends on factors like the value of your vehicle, your driving habits, and your financial situation. Liability coverage is mandatory in most states, but you may also want additional coverage like collision or comprehensive.
Liability insurance covers damages and injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability.
Collision coverage pays for damage to your vehicle from a collision, regardless of who is at fault. Comprehensive coverage pays for non-collision-related damage to your vehicle, such as theft, vandalism, or natural disasters.
Premiums are based on factors including your age, driving history, vehicle type, location, and the amount of coverage you choose. Safe driving and a good credit history can help lower your premiums.
Many insurers offer discounts for things like safe driving, multiple vehicles on one policy, anti-theft devices, and completing defensive driving courses.
Ensure everyone’s safety first, then exchange information with the other driver, take photos of the scene, and report the accident to your insurance company as soon as possible.
A deductible is the amount you pay out of pocket before your insurance covers the remaining costs of a claim. A higher deductible usually means a lower premium, and vice versa.
Many auto insurance policies extend coverage to rental cars, but it’s best to check with your insurer. You may need additional coverage from the rental company.
Contact your insurance company immediately after an accident. Provide all necessary information and documentation to process your claim efficiently.
Home Insurance
Home insurance typically covers damage to your home’s structure (dwelling coverage), your belongings (personal property coverage), liability claims against you, and additional living expenses if you’re temporarily unable to live in your home (loss of use coverage).
While home insurance isn’t legally required, it’s often required by mortgage lenders. Even if it’s not required, it’s highly recommended to protect your investment.
Your dwelling coverage should ideally match the replacement cost of your home. Personal property coverage should be enough to replace all your belongings, and liability coverage should cover the assets you stand to lose in a lawsuit.
Standard policies usually don’t cover flood or earthquake damage, normal wear and tear, and intentional damage. Separate policies are needed for flood and earthquake coverage.
Premiums are based on factors like your home’s location, age, construction type, the home’s value, your claims history, and the coverage amount you choose.
A deductible is an amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums, but you’ll pay more in the event of a claim.
You can lower premiums by installing safety features, maintaining your home, and bundling home and auto insurance. Ask about discounts for which you might be eligible.
Contact your insurance company as soon as possible. Provide detailed information about the damage and any necessary documentation. An adjuster will be assigned to assess the damage.
Yes, most home insurance policies include coverage for theft of personal property, both from inside and, in some cases, outside your home.
Liability coverage protects you if someone is injured on your property or if you or a family member cause injury or property damage to others. It can cover legal fees and damages.
Commercial Insurance
We offer a range of commercial insurance products, including general liability, commercial property, workers’ compensation, professional liability, business interruption, and more, tailored to the specific needs of your business.
The right coverage depends on your business type, size, industry, and specific risks. We recommend a consultation with our insurance experts to assess your needs and customize a policy that fits your business.
General liability insurance protects your business from claims of bodily injury, property damage, and advertising injury. It’s essential to safeguard against common risks that any business, regardless of size or industry, might face.
Premiums are calculated based on several factors, including your business type, size, location, number of employees, coverage types, chosen deductibles, and past claim history.
Workers’ compensation insurance provides medical benefits and wage replacement to employees injured in the course of employment. It’s a mandatory coverage in most states for businesses that have employees.
Yes, you can adjust your coverage as your business needs change. Contact us to discuss your current policy and the changes you need to make.
In the event of an incident, contact us immediately to report the claim. Provide as much detail as possible, including any documentation or evidence you have. Our claims team will guide you through the process.
Yes, you can reduce costs by managing risks in your business, choosing higher deductibles, or bundling multiple types of insurance. We also offer various discounts, which our agents can discuss with you.
Business interruption insurance covers loss of income and operating expenses if your business is temporarily unable to operate due to a covered loss, like a fire or natural disaster.
The time to get coverage varies. Some policies can be issued quickly, while others may require a more comprehensive review of your business. We strive to provide timely and efficient service to all our clients.