Homeowners

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Auto

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.

  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Flood

Floods are one of the top occurring natural disasters, and standard homeowner’s insurance doesn’t include flood coverage. Small amounts of water can easily cause thousands of dollars in damage to your home and belongings or to your business. We work with several companies writing flood and excess flood coverage.

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