Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence as well as furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
Auto insurance provides coverage for:
- Property – such as damage to or theft of your car
- Liability – your legal responsibility to others for bodily injury or property damage
- Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Boat insurance, also known as watercraft and personal watercraft insurance, often includes towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value.
Condominium insurance covers property damage and liability risks inside the condo only. It is typically separate from the master condominium insurance policy provided by your HOA which covers exterior liabilities.
Mobile home insurance policies provide two basic kinds of insurance: coverage for physical damage and personal liability coverage. These coverage options are generally available for rental mobile homes, commercial mobile homes, mobile homes that are used seasonally, or mobile homes located in a park or on private property.
A flood is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land.
Flood of two or more properties one of which is insured from:
a. Overflow of inland or tidal waters
b. Mud flow
c. Rapid or unusual accumulation of runoff of surface water from any source.
Commercial insurance is a policy that is meant to protect a business from future risks. Coverage may include business property damage, loss of income due to a business interruption, legal issues, theft, and employees' grievances.
Personal liability insurance, also known as comprehensive personal liability (CPL) insurance, is a component of homeowners insurance or an umbrella policy that protects the policyholder and members of the policyholder’s household against claims resulting from injuries and damage to other people or their property.
Similar to car insurance, a motorcycle insurance policy includes multiple types of coverage, which offer different types of protection. Like car insurance, good motorcycle insurance will include coverage that protects you from the costs of causing an accident and the cost of damage to your own ride.
RV insurance covers many of the similar risks that auto insurance does, including collision, comprehensive and liability coverage. You can also get additional protection for your personal belongings on board, equipment and attached accessories such as awnings and satellite dishes.
Review your policies before the next hurricane hits
Hurricane season occurs every year from June 1 – November 30. Don’t wait until after you sustain a loss to check your insurance—We can review your homeowners or renters policies to make you have the correct coverage in the event you're hit with a destructive storm.