HOME & AUTO INSURANCE
Home Insurance
Homeowner’s coverage doesn’t have to be difficult to understand.
A basic Homeowners Insurance Policy will cover the following:
- The structure of your home
- Personal possessions (up to a set limit)
- Living expenses in case of a disaster
- Liability protection
- Medical payments
Some people drop coverage if they are not required to have it. It’s important for homeowners to consider liability and coverage in the event of:
- Injuries of uninsured workers in the home
- Doing business at home, regardless of revenue
Auto Insurance
Auto insurance is the protection you need when you have an accident.
If you’re a business owner, you’ll also need commercial auto insurance for your company vehicles.
Personal and commercial coverage for the following include:
Personal Auto Insurance
- Bodily Injury Liability
- Medical Payments or Personal Injury Protection (PIP)
- Property Damage Liability
- Collision
- Comprehensive (for damage to your car that is not the result of a collision)
- Uninsured & underinsured motorist coverage
- Personal Umbrella Policy
- Rental reimbursement
- Sound System (stolen/damaged)
- Towing and labor costs
Commercial Auto Insurance
- Property damage liability
- Liability for bodily injury to others
- Optional bodily injury coverage for injuries that occur outside of the state in which you reside
- Personal injury to you, your employed drivers or passengers including medical expenses and lost wages
- Collision coverage for costs associated with an accident, regardless of who is at fault
- Comprehensive coverage for damage other than collision
- Medical payments coverage for the cost of hospitalization, treatment and funeral expenses
- Uninsured and underinsured motorist coverage
- Non-owned auto coverage for when you or your employees drive a rented or borrowed vehicle
- Loading and unloading liability
- Alternate transportation when your commercial vehicle is being repaired or when you use a loaner from the repair shop
- Towing and labor costs