HOME AND AUTO

Home and Auto

For your personal insurance, an analysis will be completed to help you decide where to allocate funds. This will ensure that you are using resources correctly, efficiently, and will save you money. We will educate you on what you have for coverages and why they are important!
We want to make sure that you are insured properly, by making sure you have enough coverage and the correct coverage. We have a wide selection of products and companies that you can choose from to fit your needs!

Our agencies are licensed in all 50 States to serve your multiple location needs!

Property and Casualty

Property and Casualty is designed to help you protect what you own personally. Your car, your home, buildings on your property and the items in your home. It also covers your personal liability. Having certain breeds of dogs, swimming pool or trampoline can increase your annual policy premium due to the increased liability.

Umbrella

Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

Auto Insurance

Liability car insurance covers damages to another person resulting from an accident you cause.Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and more.

Understanding Auto Policy Limits

These are the first numbers you usually see. Example 100/300. This means the most the policy will pay is $100,000 per person up to $300,000 per accident. If an injured person has injuries up to $100,000 — your insurance will pay that amount. However, if you have lower liability limits like 25/50 and the person has $100,000 in injuries. The company will pay $25,000 and you are responsible for the remaining $75,000. In this example only one person is hurt. What if two or three people were hurt? The limits are the same. 25K max per person. 50K max per accident. Your policy will not pay more than $50,000. You will be responsible for any remaining costs if it is your fault. On the flip side, if someone else is at fault and they carry only $50,000 in liability and you carry $100,000, often times your policy will pick up the rest. It doesn’t cost much more to raise your limits!

If your policy shows 100/300/100 or 100PD on a separate line – you have $100,000 coverage property damage caused when you ran that stop sign. Some states have minimum requirements. We always recommend at least 100/300/100. In certain situations we will recommend higher limits and an Umbrella policy.

To contact us fill out the fields below for more information






captcha