• Automobile
• Condo
• Flood
• Health
• Homeowners
• Life
• Long-term Care
• Marine/Boat Insurance
• Motorcycles
• Personal Umbrella
• Renters

AUTOMOBILE (PERSONAL)

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 medical, 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.

Automobile Insurance Quote Form


CONDO

Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings. . . even your boat! And take advantage of special safety discounts, too.

For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage.


FLOOD

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be separately obtained. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

FEMA's maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.


HOMEOWNERS

If you have tangible assets, you need the protection of a homeowner's policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowner's 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 policy 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.

Homeowners Insurance Quote Form

Marine / Boat

The ownership of boats, yachts, and personal watercraft such as jetskis create exposure to financial loss. Examples of potential losses include collision with a boat or dock, hitting a swimmer, theft from your home or damage while the boat is being trailered. Protection from these exposures is available in a variety of ways, from coverages added to a homeowner policy to boat or yacht insurance policies.

Typical insurance needs for boatowners include protection for the boat, motor, trailer and equipment as well as watercraft liability, medical expense and uninsured boaters coverage.

Owners of yachts or larger pleasure boats can purchase a yacht policy that provides hull insurance, trailer insurance, and liability that includes protection from bodily injury and property damage liability and coverage for longshoremen's or harbor workers' compensation insurance for employees.


MOTORCYCLES

We offer a rate for nearly every rider and every cycle, which include ATVs. We offer a range of coverages, from liability to comprehensive to uninsured motorist and can quote a rate for every risk.


PERSONAL UMBRELLA

You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.


RENTERS

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.