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When you buy an auto insurance policy, you are buying a package of individual coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal insurance package. You can also determine the limits of coverage you will need. The following are some common coverages found in an auto policy. NOTE – Your policy may not contain all of these coverages.

Pays, up to the coverage limits, for a reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.

• Bodily Injury (BI) Liability Coverage
• Property Damage (PD) Liability Coverage
• Medical Payments Coverage
• Uninsured/Underinsured Motorists (UM/UIM)
• Collision Coverage
• Comprehensive Physical Damage Coverage
• Rental Reimbursement
• Towing and Labor
• Classic Car Insurance

For many of us our home is our most valuable possession. The time to think about the unthinkable disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin if someone is injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. You also can buy several types of additional insurance for property that is not listed in your homeowner’s policy or for perils not covered? such as flood ? for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your policy.

Condominiums and townhouses have special insurance needs. They don’t need as much insurance as a house, but owners have more to insure than a renter. The insurance needs for a condo owner include personal property and liability coverages. Special policies for condominium owners, known as form HO-6, will provide the liability and personal property protection a condominium owner needs.

Today, several million more boaters are sharing our coastal waters, lakes and rivers: over 12.5 million registered U.S. boaters in 2000, an increase of 14% in just 10 years, not to mention more than 4.5 million unregistered boaters who use our waterways each year.

Motorcycle Insurance

Motorcycle Insurance typically offers a combination of collision, liability, theft, and related coverage designed specifically to meet the needs of motorcycle owners.

ATV/Snowmobile Insurance

Most states don’t require ATV insurance and you may have limited coverage if you have a homeowner’s policy. If you have an ATV we urge you to contact us and let us review your specific policy to determine whether you need a separate ATV Policy.

For a business many different types of insurance exist, including property insurance, liability, commercial auto, workers compensation, group health, life, disability income, “key man” insurance and others.

Below are some of the more common types of coverage available however this is not a complete list and, as always, we recommend you contact us to thoroughly review the needs of your business.

• Property Insurance
• Liability Coverage
• Commercial Auto
• Workers Compensation
• Key Man

There are many types of life insurance to fit individual needs and circumstances. The following are some of the basic types of life insurance available.

As with a universal policy, returns on investments can offset the cost of premiums or build in the account. And depending on the type of policy, the beneficiaries will either receive the face value of the policy or the face value plus all or part of the cash account.

• Term Insurance
• Whole Life
• Universal Life