There are three primary types of insurance coverage: Liability insurance: Covers the costs associated with injuries and property damage you are responsible for if you cause an accident. Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident. Comprehensive: Formally known as “other than collision,” this portion of a policy covers damages to your car caused by something other than a collision, such as fire, theft, vandalism, hail or flood. Comprehensive car insurance also pays for damage caused by hitting an animal.Read More »
Finding the right insurance coverage for your home, car, personal possessions or business is just as important as accurately filing your tax return, planning your financial future, or getting legal advice. An independent insurance agent has your best interests in mind. Their expertise, advice and experience working with many carriers is important to helping you find the right coverage at the right price.
An independent agent has the ability to look at multiple companies and compare available coverage and rates and present you with the best coverage at the best price.Read More »
Flood insurance is a confusing subject that is very important to fully understand. The government administers standard flood insurance up to $250,000 of coverage through the NFIP program. Here are some basic questions you need to ask your agent to fully understand how you are covered.
What flood zone do I live in? What is my property’s flood risk? Is flood insurance mandatory for my property? Will the lender require it? Even if flood insurance isn’t required by my lender, do I still need it? Do I qualify for a Preferred Risk Policy?