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Replacement Cost on Contents
Replacement Cost on Contents is provided with some of our plans, or can be purchased for additional premium. This coverage provides for replacement of your damaged property without deduction for depreciation, subject to certain qualifying conditions and limitations.
Homeowners Insurance
Our Preferred Homeowners policies offer you liability, building, and personal property coverage for losses due to many perils, including fire, theft, wind and lightning. We also offer various optional coverages that will help you tailor a policy to meet your individual needs.
Condominium and Townhouse Insurance
These policies are designed to meet your coverage requirements when you live in a condominium or townhouse. Coverages are offered for assessed losses as well as personal property damage and liability protection.
Mobile Homeowners Insurance
Enjoy carefree mobile home living with our Mobile Homeowners Insurance. Our policy protects you against financial loss resulting from certain perils that may occur.
Renters Insurance
Our Renters Package provides you with the liability and property protection renters need. We can provide specific details on the various types of coverage available on this policy. For complete information about the benefits and coverage's of any of our homeowners plans, please contact us.
Auto
Low Auto Rates Low Auto Rates Low Auto Rates
Vehicle models which have lower claims payments are given a rate lower than their MSRP. We offer lower rates on comprehensive and collision coverages for more than 500 vehicle models.
Fast, Fair, Friendly Claims Service
Having your claim handled quickly, fairly and courteously is important to you. And, it's important to us too. We take pride in our commitment to provide you with prompt, courteous service in the event of a loss. We're there when you need us, whether it's for a fender-bender or a major accident.
Towing and Road Service
When you or your loved ones are stranded and need help, we're as close as the telephone. You can reach us 24 hours a day, 365 days a year, with just one toll-free call. And, with our sign-and-drive feature, you won't need a credit card or check to get the help you need.
Auto Glass Replacement Program
Our Auto Glass Replacement Program takes the headache out of repairing or replacing damaged or broken auto glass. An optional program allows you to simply notify your Agent when the damage occurs. In most cases, repairs will be made within 24 hours.
Exposure to liability losses of catastrophic size is no longer limited to large corporations or to the wealthy. The willingness of the public to sue has increased the number of lawsuits and the size of judgments awarded.
What's more, most automobile, homeowners and recreational vehicle or boat liability limits are not sufficient to cover some of the court awards made today. Also, most policies exclude protection for such personal injury perils as defamation of character, invasion of privacy, trespass, libel and slander.
Umbrella
With Umbrella Protection You Can Feel Secure
Your Personal Umbrella Policy protects you, your family and your home against these uncertainties with three kinds of coverage:
- Liability insurance that adds to the limits of your automobile, homeowners and recreational vehicle or boat liability policy limits.
- Coverage for unknown or unexpected exposures excluded in many automobile, homeowners and recreational vehicle or boat liability policies. The policy will give you details about exclusions.
- Coverage for the cost of your legal defense. This includes court costs, interest on judgments and premiums on necessary bonds.
- Coverage under the Personal Umbrella Policy is written in increments of one million dollars and supplements your present policies to provide broad personal liability protection.
Note: Coverages may vary in some states. Your coverage includes a self-insured retention of $250 that you agree to absorb before the Personal Umbrella would apply to cover a loss not covered by any other liability policy.
Coverage Is So Affordable
Commercial
As a business owner, you should be aware of a number of insurance coverage's. For example, most states require that you provide coverage for on-the-job injuries to your employees. Or if your business suffered the loss of an owner, partner, key stockholder or key employee, you may incur a financial loss. Here are some Business Insurance coverage's you'll want to consider:
- Buildings
- Contents
- Crime
- Equipment Breakdown
- Computers
- Business Liability/li>
- Personal Injury
- Accounts Receivable
- Workers Compensation
- Loss of Earnings or Rents
- Valuable Papers
- Glass
- Signs
- Medical Payments
- Business Auto
- Umbrella Liability
Life
How Life Insurance Is Typically Used:
For any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes. For funds for a readjustment period, to finance a move, or to provide time for family members to find a job. For ongoing financial needs, such as monthly bills and expenses, day-care costs or college tuition
Term Insurance
Term insurance provides coverage for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the specific period. Others give you the ability to reenter. The premium rates increase at each renewal date or each reentry. Many policies require that evidence of insurability be furnished at reentry for you to qualify for the lowest available rates.
Whole Life
This is the most common type of permanent insurance. The premiums for a whole life policy must be paid as scheduled in the amount indicated in the policy. These premium amounts remain constant over the life of the policy. The death benefit and cash value are guaranteed as stated in the policy if premiums are paid when due and there are no loans or withdrawals outstanding at the insured's death. Quite often dividends may be credited to this type of policy.
Universal Life
This variation of permanent insurance allows you, after your initial premium payment, to pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You can also increase or reduce the amount of the death benefit more easily than under a traditional whole life policy. Typically, current interest rates are credited to the cash value in this type of policy.
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