Insurance Products

Auto Insurance

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Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance agency. You agree to pay the premium and the insurance agency agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

auto insurance quotes

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things that you keep in it.

home insurance quotes Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered, but there are exceptions. It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Motorcycle Insurance

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

motorcycle insurance quotes

If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your motorcycle may be one of your most prized possessions. It deserves special protection.

Boat/Marine Insurance

You'll enjoy the water even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Commercial Auto

commercial insurance quotes As a business owner, you need the same kind of insurance coverage for the car you use in your business as you do for a car used for personal travel – liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will help you avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While major coverage is the same, a business auto policy differs from a personal auto policy in many technical respects. Give us a call at 866-680-SAVE (7283) to explain all the differences and options.