Do you carry both your home
and auto with us?
Let us quote you!
By having both of you insurances
with us you could save as much as
15% on your insurance bill!
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Personal Umbrella Policy
"The little extra coverage that could save the day!!"
Could you be sued? Anyone can be sued, regardless of income level,
for just about any reason. Personal umbrella policies supplement the
personal automobile, homeowner, and other special policies containing
liability coverage. Usually this contract is sold in increments of $1
million, providing coverage in the event of a catastrophe where the
underlying policies’ limits may be inadequate for the injuries to others or
property damages sustained.
Umbrella liability policies have three functions:
1) To provide additional limits above the each occurrence limit of the
insured’s primary policies. (2) To take the place of primary insurance when
primary total insurance limits are reduced or exhausted. (3) To provide
broader coverage for those claims that are not covered by the insured’s
primary insurance policies, which are subject to the policy retention.
Contact us for more information on this valuable insurance.
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Are Your Valuables Safe?
Help us Protect you!
Have you recently received a gift of jewelry, fine arts, antiques, or other
expensive gifts? It is important to let us know of any new items you may
have acquired or already own, so we can protect those assets for you. Most
likely these valuable items receive only limited coverage under your
homeowners policy.
A Valuable Items Blanket endorsement is an easy way to cover these
expensive items without the need of an appraisal. It expands your homeowners
coverage to protect them from loss caused by perils such as fire, theft,
mysterious disappearance, etc.
Are you a collector? Collecting is a favorite pastime of many Americans. Are
Hummel’s, sports cards, stamps, memorabilia, music boxes, coins, old books
etc. your passion? Protect your favorite pastime with a Collectibles
Program. What is a Collectible? Collectibles are related items you
gather according to identifiable subject matters - for private exhibition
only.
Call us to see how we can help protect your collectibles!
• Floods are the second most common natural
emergency (after fire).
• Flooding causes more than $1 billion in property
damage in the U.S. each year.
When you are a flood insurance policyholder:
• Flood insurance compensates you for all covered
losses.
• Coverage is relatively inexpensive.
• You can depend on being reimbursed for flood
damages, even if the President does not declare a
Federal disaster.
• You do not have to repay a loan, as you might have
to with many Federal disaster relief packages. Your
covered losses are paid in full.
• You can count on your claim being paid in the event
of a flood loss because NFIP flood insurance is
backed by the Federal government.
We can help you handle your claim quickly, so that you will not have to put your life on hold if your property is damaged by a flood. You can even request a partial payment immediately after the flood, which can help you recover even faster.
Be FloodSmart! Get covered today.
Ask us about National Flood Insurance if you live by a river, lake, wetlands, ocean or other water way.
