| Property
& Casualty Insurance
Homeowners
Insurance
Homeowners insurance covers a
wide range of protection options including primary home,
secondary home, renters, dwelling fire, and condos. The
purpose of homeowners insurance is to provide you with
financial protection if disaster strikes. It covers damage to
your property as well as liability protection. A basic
homeowners policy includes:
- Structure coverage
- Personal property protection
- Liability
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Dwelling
Fire Insurance
A property
only coverage usually used for residential premises where the
owner does not live on the premises. There are four dwelling
forms, non of which contain any casualty coverage.
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Flood
Insurance
A peril
generally excluded from property policies which is defined as
general and temporary condition of partial or complete
inundation by water of what is normally dry land. Flood
insurance is available through the National Flood Insurance
Program administered by FEMA.
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Umbrella
Coverage
A personal or
commercial liability coverage which is designed to increase
the limits of a primary liability policy. If you are found
negligent, your basic liability policy (such as a CGL or
Homeowners) would pay first; your umbrella would provide
coverage for an amount over the limits of your basic
policy.
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Personal
Auto Insurance
Finding the right auto insurance
is an important decision and can make all the difference when
it matters the most. It protects you against financial loss if
you are in an accident. Some of the basic components of auto
insurance are:
- Bodily Injury Liability
- Property Damage Liability
- Collision
- Comprehensive
- Under-insured & Un-insured
Motorist
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Motorcycle
Insurance
Much like auto insurance, motorcycle
insurance provides coverage for bodily injury liability,
property damage, collision, and under-insured/uninsured
motorists. Even if you place your motorcycle in storage during
the winter months it is important to maintain coverage.
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