For many, your home is your largest investment in your life. Not all policies offer the same protection. Let us help you understand your exposure and protect this investment.
Basic Coverages Included in Homeowner's Policies:
Property Damage Coverage
" Property Damage" coverage is designed to help pay for damage to your home and personal property.
" Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
" Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.
Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.
Additional Living Expenses
Where will you live if your home is badly damaged?
If you move into a hotel or apartment for a while because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to the policy limits.
Every business has different insurance needs. Call us to arrange a time to meet and review your business.
Property coverage is often divided into two parts in a business policy:
* Fixed Property (buildings, fixtures, etc.)
* Contents (equipment, inventory, etc.) or it can be a combined single limit.
The ways that your property can be covered are:
* Open Peril
* Specified Peril
Liability coverage generally protects you from claims that arise out of harm your business (including employees) cause another.
* Do you operate off-site?
* Serve alcoholic beverages at functions?
* Sell products that could cause harm?
* Do you or your employees operate personal vehicles at anytime in the course of doing business?
What happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal? This coverage is often overlooked. It shouldn't be.
With our help, you can properly insure your business.
Not all policies are the same. Below is a brief explanation of auto insurance protections. Call us to set a time to discuss your protection options.
Auto Policy Definitions
Bodily Injury (BI) and Property Damage (PD)
Covers your liability for injuries you cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a "split number" such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
The third number is the limit that your policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits. Please consult us to make sure you have adequate coverage- we'll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!
This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you!
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.
Hail and other "acts of God" are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.
A Universal Life Policy is designed to meet your needs like no other policy can!
With a Universal Life Policy, you can
* Accumulate tax-deferred savings
* Vary your premiums
* Vary your benefit
* Suspend payments periodically
Universal Life allows you the flexibility to make changes as your life circumstances change, without having to change your life insurance policy.
Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review. We can help you determine the amount of coverage you need, and show you how simple it is to get started!
Term Life Insurance
Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years. Once the term is expired, you must renew it, often at much higher rates. The policy only pays a death benefit if you die in that period of time.
Term Insurance often has specific rules about when and how you can renew the policy.
Term Insurance normally NEVER builds cash value.
However, Term Insurance has the advantage of normally providing the highest death benefit for the lowest premium.
Ask us about which Life Insurance policy is right for you and your loved ones. We will be happy to explain the differences in simple, easy to understand terms.
Farm & Agricultural
We provide a broad line of agricultural & farm coverage to service our agricultural community.