Auto Insurance

In exchange for paying a premium, the insurance company agrees to pay your losses as outlined in your policy.  Coverages may include:

• Property – damage to or theft of your car.
• Liability – legal responsibility to others for bodily injury or property damage.
• Medical – costs of treating injuries, rehabilitation and sometimes lost wages.

Business Insurance

Business insurance protects businesses from losses due to unforseen events that may occur during the normal course of business.  There are many types of businesses insurance coverages, including coverage for property damage, legal liability and employee-related risks.

Flood Insurance

Flood insurance covers a dwelling for losses sustained by water damage specifically due to flooding caused by heavy or prolonged rain, melting snow, coastal storm surges, blocked storm drainage systems, or levee dam failure.

Homeowners Insurance

Homeowners insurance policies generally cover destruction and damage to a residence's interior and exterior, the loss or theft of possessions, and personal liability for harm to others.

Renters Insurance

Most renters insurance policies cover items in a rented property from circumstance such as fire or theft.  Renters insurance also protects you against claims if someone is hurt in your rented home.  A good policy will also protect other people's property from damage that occurred in your home (Such as if your bathtub overflowed and caused water damage in the unit below yours.)  A good plan will also cover the cost for you to live somewhere else while your home is restored.

Umbrella Insurance

Generally, Umbrella insurance is a type of personal liability insurance that covers claims that are in excess of what your homeowners, auto, or other similar policies will pay.  It covers not just the policyholder, but also other members of their family or household.  It also covers injury to others or damage to their possessions.  It does not directly protect the policyholder's property.