Our goal is to protect the things that are most important to you: your family, home and car. We partner with leading insurance carriers to provide the best combination of coverage and premium for your needs. Our team will be your advocate, providing ongoing advice, guidance and support.
Homeowners | Auto | Earthquake | Flood
What does homeowners insurance cover?
Homeowners or home insurance protects you from potential loss resulting from risks such as burglary or theft, severe storms, fire and personal liability. Floods and earthquakes are not covered in homeowners insurance which you must cover with separate policies.
Your home liability coverage protects you in the event that someone is injured on your premises or you are responsible for damage to someone else’s property. Some policies may cover injuries you cause to another person off premises. Liability insurance will not cover acts of violence or intentional damage.
Liability insurance examples include:
- You child throws a baseball through the neighbors window
- Your dog bites a visitor to your home
- A visitor is injured on your backyard swing set or by falling on your icy sidewalk
- A dinner guest is hospitalized after getting food poisoning
If someone files a liability claim against you, your insurance can pay for property repairs, medical or funeral costs and legal fees.
Landlord insurance will cover the building structure itself when it is damaged by any number of causes, including storms, fire or malicious acts. It will also typically provide liability protection to cover injuries to anyone on the premises and these injuries are your fault or the result of negligence on your part.
A basic landlord insurance policy generally includes:
- Building insurance for damage to the rental home or apartment complex, as well as sheds, garages, fences, retaining walls and swimming pools. Coverage also typically includes any tools and equipment you personally own to maintain the property.
- General liability coverage for accidents and injuries that may occur on the premises.
Renters insurance provides coverage in the event that your personal belongings are destroyed in a building fire or stolen by a thief. It also covers your personal liability. Your landlord policy covers the building and grounds, but will not reimburse you for the costs of your personal items or cover the costs of injuries or damages that happen inside your rented premise. If you do not have renters insurance, you will need to recover from your loss out of pocket.
Condo insurance covers personal property damage and liability risks faced by condo owners. It helps to protect you, the condo owner, from financial loss if someone is injured within your home. It will also protect you from damages and loss due to burglary, fire or other incidents.
What is car insurance?
Car or auto insurance protects you against financial loss in the event of a car accident. While requirements vary by state, all drivers must have auto liability insurance, such as personal injury protection (PIP). If you cause an accident, liability coverage pays those costs, up to the limits set in your policy.
What does auto insurance cover?
There are several types of auto insurance coverage, some of which are required by law in multiple states:
- Liability covers the other party for injuries you cause to others while driving.
- Collision covers damage to your car by colliding with someone or something.
- Comprehensive covers damage to your vehicle, other than a collision, including fires, theft and vandalism.
- Medical payments and personal injury protection covers treatment of injuries for you and your passengers
- Personal injury protection covers your medical costs after an accident and also covers lost wages.
- Rental reimbursement covers a daily amount for a replacement vehicle while yours is in repair.
- Towing and roadside service provides emergency assistance and towing to help you get your vehicle back on the road or to a shop for repair service.
Most states require motorcyclists to have liability insurance. Liability insurance pays for damages or injuries you cause in an accident. It also pays for legal defense if needed.
Liability coverage includes:
- Bodily injury liability for one person
- Bodily and property liability for all people involved
- Medical payments for the other party’s injuries in an accident you caused
Before you decide on the liability coverage in your motorcycle insurance policy consider how much you can afford if the accident is sever. If the costs of the crash exceed your limits, you will have to pay out of pocket.
Types of motorcycles covered:
- Custom and classic motorcycles
- Streetbikes and Sportbikes
- Dirt bikes
- Scooters and mopeds
RV and motorhome insurance pays the cost of repairing or replacing your vehicle after an accident.
- Liability coverage is required in most states and covers property damage, medical costs and legal fees when you cause an accident.
- Several states also require uninsured/underinsured motorists’ coverage. This coverage insures you in the event that you are hit by a driver who does not have insurance or does not have enough to pay for your damages.
Insurance types include:
- Class A Motorhomes: Largest RVs on the road, a home on wheels
- Class B Motorhomes: Small RVs, a van with amenities
- Class C Motorhomes: Midsize RVs, sometimes called mini-motorhomes
- Motorhome Bus Conversion: A bus converted to an RV
- Travel Trailers: Towable motorhomes typically attached by trailer hitch
- Fifth Wheels: Towable motorhomes attached to a truck with a fifth wheel hitch
- Truck Campers: Add-on campers attached to a truck bed
Classic Car Insurance
Classic car insurance is similar to regular auto insurance. There are several factors that qualify your vehicle for this type of coverage including the model year, annual miles driven and customizations. Classic cars are considered rare representations of the finest automobiles designed between 1919 and 1948.
Boat insurance protects you if you are responsible for an incident that results in harm or damage to other people or property.
Coverage can include:
- Bodily injury liability covers the other party for injuries you cause to others.
- Property damage liability for damage you cause to someone else’s property.
- Physical damage for damage to your property.
- Property coverage for equipment such as tools, anchors and oars.
- Medical payments for treatment of injuries for you and your passengers
- Uninsured motorists for coverage if you have an accident with another boater who cannot pay for damages.
Personal Watercraft Insurance
This type of insurance covers damage you cause to others or to their property. It also pays for costs of your legal defense if needed. Personal watercraft insurance can protect jet skis, ski-doos, wave runners and more.
Coverage can include:
- Property damage for reimbursement for damage to the watercraft from accidents, collision, fire, theft or vandalism.
- Medical payment coverage for medical expenses for anyone who is injured while using your watercraft.
- Uninsured and underinsured boater for accidents caused by another boat or watercraft that is uninsured or underinsured.
- Pollution coverage in the event that you are held liable for pollution cleanup.
- Towing and assistance for emergency assistance to tow your watercraft to shore.
- Wreckage removal for events of serious accidents, such as sinking. This coverage typically includes recovering, towing and destroying a damaged watercraft.
- Watersport liability for injuries, liability claims and legal fees related to watercrafts with enough power to reach 60 miles/hour.
- Accessory coverage for protection of damaged or stolen accessories such as trailers for transportation.
All terrain vehicle insurance protects you against physical damage, injuries and liability resulting from an accident that causes harm to another personal or their property.
All terrain vehicles or utility vehicle insurance can cover:
- Dune buggies
- Golf carts
- Amphibious vehicles
Earthquakes are generally not covered by insurance policies and often come with a high deductible. However, this type of insurance will provide substantial coverage when your property is destroyed in a seismic event.
Earthquake insurance covers damage to:
Flooding can occur in all fifty states but is not covered in many policies. Does this mean everyone should have flood insurance? This depends on your level of risk. According to the Federal Emergency Management Agency (FEMA), most people are likely to need flood insurance at some point. We will work closely with you to determine the best coverage for your level of risk.
Options for standard dwelling coverage:
- Building property coverage: up to $250,000
- Personal property coverage: up to $100,000
Contact our team to learn more about our personal insurance options.