Auto insurance coverage is a very important part of your insurance portfolio. Auto insurance covers more than damage to you vehicle, it may include medical, property and or liability coverage. If your policy has comprehensive coverage, your vehicle may be protected from storm damage or vandalism. You may also be protected from underinsured drivers. Please call, email or complete our convenient form so we can review policy options, coverage’s and get you a free quote today!
Homeowner’s Insurance is critical coverage for one of your most valuable assets. The coverage helps guard against loss from fire or storms. However, additional policies are required for earthquake or flood coverage. It may cover losses from theft as well, even personal items while on vacation. Homeowners insurance may cover the homeowner from liability if someone gets injured on your property as well. You may want to cover valuable items such as jewelry or art with an additional personal property rider. Please give a call so we can review your personal situation and create a tailor made plan for your unique situation! We look forward to speaking with you!
Permanent whole life insurance, universal life insurance and term life insurance may all seem similar, but in reality they serve very different goals. Once you start to look into the differences between these types of insurance policies, however, you can begin to see just how important they really are.
Term life insurance policies are designed to be temporary and are only active for a specific period of time, called a “term.” These types of policies are for when you don’t think you will need permanent life insurance. Permanent policies, on the other hand, are designed to cover you from the current day well into old age. Whole life insurance offers protection for as long as you live. The main difference between these and universal life insurance policies are that with the latter type, any premium payment that you make that goes above the current cost of the insurance is eventually credited towards the total cash value of the policy in question.
If you decide that you need life insurance to make sure that you and your family is covered in the event that something unfortunate happens, understand that we can help.
Umbrella insurance provides coverage for excess amounts of liability not covered by other policies. If the insured is found liable, the primary policies pay out up to their thresholds, then the umbrella coverage kicks in up to it’s policy limit. Give us a call today to discuss your liability coverages and get you a free quote!
Long-Term Care Insurance
By the time you reach age 65, chances are about 50-50 that you’ll require paid long-term care (LTC). If you pay for this care out-of-pocket, then it will cost you $140,000 on average. However, if you are like most other Americans, then you probably haven’t planned for this financial risk. Currently, only 7.2 million or so Americans have secured LTC insurance. LTC insurance is designed to cover the costs associated with nursing homes, assisted living, or in-home care—expenses that aren’t covered by Medicare. If you do not have LTC coverage in place, then you could be leaving yourself, your loved ones, and their assets at risk.
Looking to secure the right LTC insurance? We can get you started by answering any questions you may have and walking you through your coverage options.