Homeowners insurance provides coverage to repair or rebuild your home after events like fire, smoke, theft, vandalism, a falling tree, or damage caused by weather such as lightning, wind, or hail. Most standard homeowners insurance policies also cover furniture, clothing, and other possessions. In addition, they cover medical expenses and legal fees if people other than you, your family, or anyone else not living in your home is injured on your property.
How Auto Insurance Works: In exchange for paying a premium, the insurance company agrees to pay your losses as outlined in your policy, instead of paying out-of-pocket for an auto accident. Different Insurance carriers offer a variety of coverages and pay plans, one of our agents can guide you to the company that is best for you now.
Many different types of life insurance are available to meet all sorts of needs and preferences. Life insurance promises to pay a designated beneficiary a sum of money upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays a premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses.
Primary liability truck insurance is often required as part of a trucking license. This protects people and property from damage caused by your truck.
If you are a driver and want to drive on your own authority, then you will need primary liability insurance. If you are an owner-operator of a trucking company, then you’ll expand your trucking insurance to include general liability, as well.
There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Business insurance that protects your commercial enterprises from any losses that occur during the course of business is essential. It is especially important for small business owners to carefully consider and evaluate their business insurance needs with a specialized agent because they may have more personal financial exposure in the event of a loss.
Flood insurance is a type of property insurance that covers your home for losses sustained by water damage specifically due to flooding. Floods may be caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure.
Wind Insurance is additional coverage coastal homeowners must add to their insurance policy to cover damage from hurricanes, windstorms, and hail in some cases. The deductible on a wind insurance policy is usually percentage-based.