Auto Insurance

Auto insurance shouldn’t be complicated. Many drivers carry coverage without fully understanding what it protects or how it works if an accident occurs. Understanding the basic types of auto insurance can help you choose coverage that truly fits your needs and provides peace of mind.

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Liability Coverage:
Liability insurance covers bodily injury and property damage you may cause to others if you are at fault in an accident. Because this coverage is required by law in most states, it is important to carry limits that go beyond the minimum and help protect your personal assets.

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Uninsured / Underinsured Motorist Coverage:
This coverage protects you and your passengers if you are involved in an accident caused by a driver who does not carry insurance or does not have enough coverage to fully pay for injuries.

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No-Fault / Personal Injury Protection (PIP) & Medical Payments:
These coverages help pay for medical expenses for you and your passengers regardless of fault. In some states, Personal Injury Protection may also include benefits such as lost wages or a death benefit.

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Collision Coverage:
Collision insurance helps cover the cost to repair or replace your vehicle if it is damaged in an accident, whether you collide with another vehicle or strike an object such as a guardrail or building.

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Comprehensive Coverage:
Also known as “Other Than Collision,” comprehensive coverage protects your vehicle from non-collision losses such as theft, fire, vandalism, falling objects, animal impacts, and certain weather-related events. Glass coverage is typically included or available under this coverage.

Working with an independent insurance agency allows you to compare coverage options from multiple carriers, helping you find the right balance of protection, cost, and personalized service.

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Property Insurance

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Homeowners Insurance:

A homeowners policy is designed for individuals who own and occupy their residence, including single-family homes, multi-family homes, townhouses, and condominiums. This policy provides coverage for the dwelling itself, personal belongings, and personal liability.

Homeowners insurance may also cover additional living expenses if a covered loss makes the home temporarily uninhabitable. Most policies protect against common risks such as fire, theft, vandalism, and weather-related damage. Certain losses, including flood and earthquake, are excluded but may be added through endorsements or separate policies.

Liability coverage helps protect you financially if you are held responsible for bodily injury or property damage to others. Homeowners policies are available in different forms, including named-peril and special-form coverage, and we can help you determine which option is best for your situation.

Renters Insurance:

Renters insurance provides important protection for individuals who rent their home, apartment, or townhouse. While the landlord insures the building, their policy does not cover a tenant’s personal property or personal liability.

A renters policy covers personal belongings, provides liability protection if you are responsible for injury or property damage, and may cover additional living expenses if the rental becomes uninhabitable due to a covered loss. Renters insurance is an affordable way to protect your belongings and financial well-being.

Landlord Insurance:

Landlord insurance is designed for property owners who rent out residential properties, including single-family rental homes, duplexes, and multi-family buildings. These policies are intended for non-owner-occupied properties.

Landlord policies typically provide coverage for the structure of the building and may include coverage for owner-owned items used to service the rental, such as appliances or maintenance equipment. Coverage is also available for loss of rental income if the property becomes uninhabitable due to a covered loss.

Liability protection is a critical part of landlord insurance, helping protect you if a tenant or guest is injured on the property and you are held legally responsible. Landlord insurance does not cover a tenant’s personal belongings, which is why tenants should carry their own renters insurance policy. Coverage options vary based on property type, age, and occupancy, and we can help ensure your rental property is properly insured.