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Personal insurance products are designed to protect you, your family, and your assets from the unexpected. Auto, Homeowner's, Life, Renter's and Umbrella insurance policies provide this protection.
Please contact us for more information.
Auto Insurance ^Top^
In case you're involved in an accident, auto insurance provides financial protection for you and your family. It pays for the damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen.
In most states, you are required to carry auto liability insurance (or post a bond) and provide proof of insurance before you can license your vehicle or renew your driver's license. If you are caught driving without insurance, you may have to pay a large fine and have your driver's license suspended.
Most states require drivers to carry minimum liability coverage. In many cases, the required minimum coverage may not be enough to pay for all the damages that result from an accident and the driver will have to pay the additional expenses out of pocket.
Contact us to find out what the specific requirements are in your state. |
Homeowner's Insurance ^Top^
Protect your Home, Protect your belongings, and Protect the assets you’ve worked so hard for!
- Dwellings and other structures - For most of us, our home is the single, largest investment we will make. Homeowners insurance provides coverages for damage to your home and other structures on your property such as a shed or detached garage.
- Personal Property - Homeowners insurance also provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.
- Personal Liability - Finally, in the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. A homeowner policy provides liability and personal property insurance to financially protect you should this ever occur.
Enjoy the benefits of Homeowner’s liability insurance even if you rent or own a condominium. If you rent or own a condominium, you still need coverage for your household contents and personal belongings and personal liability. There are specific policies designed for those who rent or own condominiums. |
Life Insurance ^Top^
If you have a family, many experts suggest that you need an amount equal to 5 to 10 times your annual salary. However, many people own higher coverages to provide more income for their family. |
Your life insurance funds can be used for a number of needs, including:
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Any needs after the time of death, such as final illness expenses, burial costs and estate taxes. |
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Funds for a readjustment period, to finance a move, or to provide time for family members to find a job. |
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Ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement. |
Term life insurance provides you with coverage for a specific period of time. It pays a benefit only if you die during that term. Some term insurance policies can be renewed at the end of the period. Premium rates may increase at each renewal date. Because term insurance premiums are generally lower than permanent insurance premiums, you can usually afford a higher level of coverage. Term insurance is good for responsibilities that will diminish or end over time, for instance, mortgages or car loans.
Permanent insurance is designed to be a lifelong policy and is known by a variety of names. As long as you pay the necessary premiums, the death benefit will always be there. These policies are designed and priced for you to keep over a long period of time.
In addition, permanent life insurance policies can build cash value over time. This is money that can be borrowed against and, in some cases, withdrawn to help meet future goals. Please note that accessing your cash value may reduce the death benefit and increase the risk of lapse.
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Renter's Insurance ^Top^
Protect your belongings and protect the assets you’ve worked so hard for!
- Personal Property - Apartment and Townhome renters insurance provides coverage for your household contents and personal belongings. You may think your couch, coffee table, sweaters, shoes, coats, TV, VCR and CD player aren't worth a lot but those items all add up.
- Personal Liability - In the event someone is injured on your property or you damage property that belongs to others, you could be held legally liable for the injury or damage. The renters policy provides personal liability coverage to financially protect you should this ever occur.
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