Personal Insurance
"Home is a shelter from storms – all sorts of storms."
— William J. Bennett
Homeowner Insurance
Our advisory approach involves a thorough understanding of your specific needs, lifestyle, and the unique characteristics of your property. We don't just offer policies; we provide personalized guidance to help you select the type of homeowner insurance that best fits your situation. Whether it’s coverage for a new purchase, an existing home, or specific assets within, our expertise ensures that you receive not just protection, but the right protection for your most valuable investment.
Auto Insurance
When buying auto insurance, it's crucial to choose the right mix of coverages. Liability insurance, mandatory in most states, covers damages if you're at fault in an accident. Collision coverage repairs or replaces your car after an accident, while comprehensive coverage handles non-collision damage like theft or natural disasters. Personal Injury Protection (PIP) or Medical Payments cover medical expenses, and Uninsured/Underinsured Motorist coverage is important for incidents with underinsured drivers. The ideal policy depends on your car's value, driving habits, and financial needs.
Rental Properties
For real estate investors, protecting your property is a critical aspect of maintaining and growing your investment. Landlord insurance is an essential tool in this regard, offering protection against the common risks associated with renting out property, including tenant damage, loss of rental income, and liability in case of accidents. Unlike standard home insurance, landlord policies are designed to address the unique challenges property investors face, covering everything from structural damage to legal fees. By carefully selecting the right landlord insurance, you're not only protecting your physical property but also ensuring the continuity of your rental income and the longevity of your investment. As a savvy investor, understanding and utilizing the right insurance protections is key to minimizing risks and maximizing returns in the real estate market.
Recreational Vehicles
Recreational vehicle insurance provides robust protection for both RVs and ATVs, covering a range of risks to ensure peace of mind during your adventures. For RVs, it offers coverage for physical damage from accidents, theft, or natural disasters, liability for bodily injury and property damage, and can include additional options for personal property, emergency expenses, and roadside assistance. ATV insurance similarly covers collision, comprehensive damage, and liability, safeguarding against the specific risks of off-road driving. Both policies can include medical payments coverage and are customizable to the vehicle's value and the owner's needs. By securing the right insurance, owners of RVs and ATVs can protect their investments and enjoy their recreational time with less worry about the financial implications of unexpected incidents.
Boat & Watercraft
Boat and watercraft insurance is designed to protect you from the unique risks of owning and operating a boat or other watercraft. It typically includes coverage for damage to the boat itself, from collisions, sinking, storms, and theft. Liability coverage is also a crucial part of this insurance, protecting you in case of injury to others or damage to their property. Additionally, policies often cover medical payments for injuries to occupants of the boat and may offer extra options like coverage for personal property, towing and assistance, and protection against uninsured boaters. Whether you enjoy leisurely lake trips or deep-sea fishing adventures, boat and watercraft insurance ensures that you're financially protected on and off the water.
