Auto Coverages

• Bodily Injury- When you are found legally responsible for a car accident, bodily injury coverage is the part of your insurance policy that pays for the costs associated with injuries to the other person or people involved. This coverage also provides a legal defense in the event that you are sued for injuries.
• Property Damage- Damage to or destruction of property, including loss of use of the property.
• Personal Injury Protection- to pay for you and your passengers for medical and related expenses

          caused by injuries from a car accident, regardless of who is at fault. This protects you from loss of wages, medical expenses, pain and                    suffering and any other related costs to the injuries.

• ​​Uninsured Motorist-​ Coverage designed to provide protection for the insured if he or she is involved in an accident in which an uninsured motorist is at fault.
• Underinsured Motorist- Coverage that pays the difference between the insured's actual damages for bodily injury and the amount of liability insurance carried by the at-fault driver.
• Comprehensive- A broad physical damage coverage that covers all property losses except collision and those perils or property that are specifically excluded. Coverages such fire, theft, or glass are comprehensive coverages.
• Collision- A type of physical damage coverage that covers loss that occurs when the insured auto strikes another object or vehicle. Standard collision coverage will pay for any repairs up to the actual cash value of your car.
• ​Rental Reimbursement-  A type of optional car insurance coverage that helps pay for the cost of a rental car while you vehicle is being repaired after an accident or suffering damages that are covered through your car insurance policy.

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Home Coverages

• Coverage A Dwelling Coverage- Covers the dwelling and the structures attached to the dwelling.
• Coverage B Other Structures- Covers buildings on the described premises that are separated from the dwelling by clear space.
• Coverage C Personal Property- Provides coverage for person property owned or used by an insured. 
• Coverage D Loss of Use- Provides coverage for additional living expense if a covered property loss makes the home uninhabitable. 
• Coverage E Personal Liability- provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
• Coverage F Medical Payments- Provides coverage If someone is injured on your property, the medical payments portion of your policy will reimburse that individual's medical expenses up to the limit you purchased. ​
• Additional coverage options available such as replacement cost on personal property, scheduled jewelry, and personal injury.

​Home Insurance may provide coverage for many situations including:

• Damage or replacement due to fire or natural disasters
• Water Damage (pipes, leaky roofs)
• Liability protection from suits due to to injury to a guest in your home
• Reimbursement for losses or repairs due to theft or vandalism
• Your loan or financial institution will require insurance coverage

Home insurance provides protection against disasters and unforeseen events. A standard insurance policy insures the structure itself and the property you care for within it.

We recommend to document and make an inventory of your home and personal belongings, which can even include photos or videos as that will help in the event of a loss. Once completed store in a safe location off premises. Keep in mind that your policy doesn't cover damages caused by poor or deferred maintenance on your part.

* Flood is not covered under a homeowner policy and is a separate policy.