Each year, renters and homeowners suffer losses from fires, thefts and other unforeseen misfortunes. By purchasing insurance, you have bought financial protection against such losses.
But when it comes to coverage for your personal possessions, you'll need more than your memory to make certain you receive the full benefits due you should you have a claim. If fire struck your home today, could you list everything that was lost or damaged? For most of us, it would be difficult.
That's why we recommend a video of all of personal property or ask us for an inventory booklet that you can fill out and then store in a safe place. The booklet provides an easy, organized way to record information about your possessions. Filling it out will give you peace of mind. And, if you should suffer a loss, the inventory will help you get your claims settled quickly.
If you own an investment or rental property, you should make sure that you carry adequate insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.
Owning an investment property brings with it a large degree of liability. In addition to the building itself, you may be responsible for injuries received by others while they are on the property. You could be held responsible for damage to their belongings.
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.
Renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:
- Injury to another person
- Damage to another persons' property.
Whether the incident occurred within the rented residence, or elsewhere.
Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercraft are extremely invigorating and fun for water lover of all ages; however, they are not toys. Whether you are a first time boater or experienced captain, it is important that you have proper coverage for these vessels. We have policies that are geared specifically for your personal watercraft. Likewise, because of our expertise in this area we also have the ability to provide commercial marine insurance for companies that rent personal watercraft.
As much as you expend efforts to purchase your dream motorhome, it is important to select appropriate motorhome insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have you motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motorhome and does not treat it as another automobile.
Whether you're an enthusiast or a first-timer, having fun, being responsible and being safe is what it's all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you the peace of mind in knowing you are protected. We have a variety of motorcycle policy options to meet you needs.
Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans or pontoons. Marine insurance will cover intended use including personal recreation, commercial or charter vessels.
Boat policies can cover damage to your boat, motor, trailer and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometime called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save substantial amount.
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage. In addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.
Every association's insurance is different regarding what each unit owner is responsible for, so it is important to review you association policy and condominium by-laws carefully.
This coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medial, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Home Discounts Available:
If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. a named-perils covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.