Insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could arise.
Insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business
Long Term Disability:
Long-term disability insurance, or LTD, provides payments if the insured becomes too injured or sick to work. Policies can be bought to provide coverage for different lengths of time. LTD plans come with different features and riders that benefit policy owners.
Long Term Care:
Coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.
Insurance purchased for all motorized vehicles including, but not limited to, fishing boats, pontoon boats, yachts and jet skis. Its primary use is to provide financial protection against losses or liability from accidents, thefts, vandalism, and natural causes that could arise.
Insurance that helps protect individuals who drive or own recreational vehicles like; Motorcycles, RV’s, and ATV’s for losses or liabilities from accidents, thefts, vandalism, and natural causes that could arise.
Property insurance that provides coverage for a policy holder’s belongings within a rental property against losses or liability from vandalism, thefts, and natural causes that could arise.