PERSONAL AUTO INSURANCE

Liabilities

• Bodily Injury

Bodily injury liability coverage helps pay for their medical expenses and lost income as a result of their injuries.

• Property Damage

It typically helps cover the cost of repairs if you are at fault for a car accident that damages another vehicle or property such as a fence or building front

• Uninsured Bodily Injury

This kind of auto insurance coverage pays for medical expenses, lost wages, and other general damages when you, or your passengers, are injured in an accident caused by a driver who has no car insurance.

• Uninsured Property Damage

This kind of auto Insurance covers damage to your car if it's hit by someone without insurance. Motorist bodily injury (UIM or UIMBI) pays when another driver causes a car accident but they do not carry enough liability insurance to cover all your medical bills, lost wages, etc

• PIP & Medical

Personal injury protection (PIP), also known as “no-fault insurance,” is a component of an automobile insurance plan that covers the healthcare expenses associated with a car accident. PIP covers medical expenses for both injured policyholders and passengers, even if some don't have health insurance.

• Rental

Comprehensive coverage helps pay to repair your vehicle (or your rental car) if it's damaged by a covered peril, such as theft, wind, fire or natural disasters.

• Roadside Assistance

Roadside assistance is a set of services that can help when you have car trouble on the side of the road, in a parking lot, at work or even at home. If you're stranded, a roadside assistance plan can help with services like changing a flat tire, jump-starting a dead battery or towing your vehicle to a repair shop.

Deductibles

A car insurance coverage deductible is the money you pay toward an accident or a claim. You will pay the deductible out-of-pocket when you file a claim under certain coverage. You may see deductibles for coverage such as comprehensive, collision, uninsured motorist property damage, and personal injury protection.

TYPES OF Homeowners Insurances

• Homeowners Insurance

In this type financial investment in your home is protected if it's damaged or destroyed by a fire or other certain risks or other possible factors.

• Mobile homeowners insurance

This type sustain physical damage from perils such as fire, hail, theft or vandalism, the costs of repairs or replacement are typically covered by a mobile home policy. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.

• Rental property insurance

This type also called landlord insurance, covers the unique risks taken in renting out your home or condo for long periods of time. Its coverage includes property damage, liability costs and loss of rental income for landlords renting their property.

• Condominium insurance

This type offers coverage that helps protect against losses and repair costs for a condominium unit. Condo insurance often provides protection for theft, vandalism, fire damage, water damage, and more.

TYPES OF COVERAGE

• Dwelling

• Personal Liability

• Personal Property

• Other Structures

• Loss Of Use

• Medical Payments

• Water Backup Sump Overflow

• Water Seepage And Leakage

• Deductible