Auto Insurance

Whatever you drive, you have a lot riding on those wheels. It'syour family and your peace of mind. Choosing the right auto insurance can help protect you from the risks associated with the road.  Auto insurance includes four basic coverage categories designed to protect you from financial loss if you have anaccident:

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

Liability coverage may include:

This coverage helps protect you in an auto accident from the damages done to the other driver's property, including bodily injury.

Uninsured Motorist Coverage covers:

Under insured Motorists Coverage helps when the other driver is found legally responsible for an accident but has insufficient car insurance coverage to cover the expenses for injuries to you, your family members or passengers.

Medical Payment Coverage

The Medical Payments portion of an auto insurance policy covers you,your family members and any other passengers in your car for any necessary medical and dental services due to bodily injury caused by an auto accident.

Comprehensive

Typical scenarios where Comprehensive coverage applies include: breakage of glass, falling objects, fire, theft, windstorm, hail, water, flood, malicious mischief, vandalism, or impact with an animal.

Collision

Collision coverage pays for damage to your vehicle caused by any accidental impact with another vehicle or object.

Renters Insurance

Even ifyou don't own a home, you still have a lot at stake. After all, your personal belongings, like clothes, furnitureand electronics, have significantvalue. Renters insurance can help you protect that value without breaking the bank. So no matter where you live, you can rent with peace of mind.

A Renters policy can cover:

• Damages to furniture, clothing and other personal items
• Your personal belongings, whether they're in your home or elsewhere
• Personal liability for another's injury or their property, if damaged
• Loss of Use temporary housing if you are forced out of your apartment due to a loss

You can also select policy enhancements and add-ons such as valuable items coverage for your belongings for full replacement costs regardless of depreciation.

Savings for home security and more

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your home's security features, including smoke detectors, dead bolts, fire extinguishers and alarm systems.

Plus, when you buy other policies with the same insurance company, like auto insurance, umbrella insurance or boat insurance, you could save on your Renters Insurance

Umbrella Insurance

Umbrella insurance isn't just for the rich and famous. Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners or boat policies. And an expensive judgment is the last thing you want to worry about.

Personal umbrella insurance can provide:

• Extra liability coverage which can help protect assets like your home, auto, boat, wages, and investments such as your retirement
• Coverage for claims like libel, slander, defamation of character andinvasion of privacy
• Helps cover defense costs, attorney fees and other charges associated with lawsuits     Protection for the actions of covered family members over and above your auto and homeowners’ policies.
• Extra protection if a covered driver causes an accident and was liable for injury to others or property damage.
• Covers family members, worldwide, for actions that may cause injury to others or property damage.

An umbrella policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.

Umbrella insurance is much more affordable than you may think. And in today's world, anyone can get hit with a lawsuit. That's why it's morei mportant than ever to consider an added layer of protection for your assets-and your peace of mind.

You could also save on your Umbrella Insurance when you buy other insurance policies, like homeowners insurance, condo insurance, renters insurance and auto insurance.

Condo Insurance

When you own a condominium, you are responsible for what'sinside your condo not your condo association. Having a personal condo insurance policy is an important protection for your investment.

Condo associations have master policies that cover the association property, common areas and physical structure of your building. The master policy typically will not cover the interior structure of your condo or your legal responsibility to others. Condo associations may also have the right to levy a “loss assessment” on unit owners should there be a claim against themaster policy.

That's where condo insurance comes in.

As a condo owner, you have unique requirements for protecting your property, because your building and your individual unit have separate needs. While your condo association may have an insurance policy, only condo insurance covers your personal property and personal liability.

A Condo policy can cover:

• Damage to your furniture, clothing, appliances and other personal items
• Your personal belongings, whether they're in your home or elsewhere
• Common loss assessments made by the condo association for all unit owners
• Your personal liability in the event someone is injured or their property is damaged

You can also select policy enhancements and add-ons such as valuable items coverage for your belongings for full replacement costs regardless of depreciation.

Savings for home security and more

Along with our competitive rates, you can get an array of money-saving discounts based on factors like your claim history and your condo's security features, such as smoke detectors, dead bolts, fire extinguishers and alarm systems.

You can also save on your Condo insurance when you buy other insurance policies with the same insurance company, like auto, umbrella or boat insurance.

Landlord Insurance

If you own a home or apartment and are renting it out, you have special insurance coverage needs that standard home and condo insurance will not provide.  The coverage you need is found in a landlord insurance policy. 

A landlord policy provides the following

• Property Insurance - covers your building or condo
• Liability Insurance – increased limits to cover bodily injury, property damage or personal     and advertising injury.
• Business personal property – although your rental property may be unfurnished, this     provides coverage for kitchen appliances and other property belonging to you.
• Rental income protection – if your tenant must vacate the property due to a covered loss, your policy wcan cover the lost rents during repairs.

Your agent can provide more information on the coverages andoptional endorsements available to you

Motorcycle Insurance

We know how important it isto choose the right motorcycle insurance. There are many types of bikesand ATVs, including Cruisers, Limited Production Cruisers, Street Sports, High Performance, Touring, Sport Touring, Mopeds, Scooters, and Trikes. Be sure you get the motorcycle insurance coverage you need.

Bodily Injury & Property Damage Liability

Covers you if you're at fault for an accident that injures another person or damages someone's property, up to the limits you select.

Comprehensive & Collision

This motorcycle insurance coverage pays to repair or replace your motorcycle if it's stolen or damaged in an accident, regardless of who isat fault.

Uninsured/Underinsured Motorist (UM/UIM)

Covers your injuries and damages when the person at fault for anaccident doesn't have insurance or doesn't have enough insurance.

Medical Payments

Covers the cost of necessary medical care you receive as the result of a motorcycle accident and can be used regardless of who is at fault. In some states, MedPay only applies after other medical insurance is exhausted.

Boat Insurance

You like to boat. You have friends who like to boat. And you’d probably agree, if we were sitting on your boat right about now, that boating is an adventure. So no matter whether you’re a power boater or sail boater, you want to make sure you’re covered for anything and everything. (Remember The Skipper and Gilligan? They thought they were going out for a 3-hour tour.)

Like any major investment, boats and yachts need the right insurance coverage. So whether you have a boat, yacht or an antique and classic runabout; with the right coverage you can cast off with confidence.

Boat and yacht policies canprovide coverage for:

• Physical damage caused by a collision with a submerged object or another vessel
• Liability for bodily injury or damage to the property of others
• Damage to personal property on the boat
• Gas delivery, towing and assistance if your boat gets stranded

Insurance coverage is not only available for boats under 26feet; coverage is also available for yachts 26 feet or longer. Programs are also available for antique and classic runabout boats.

RV Insurance

RV insurance protects your investment from top to bottom. Thetypes of RV insurance include:  Vacation Liability, Full Timer's Package, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you're on atrip.  RV insurance covers several kinds of vehicles, such as motorhomes—including Classes A, B, and C; motor coaches; camper vans, travel trailers,including campers, pop-ups, fifth wheels, and toy haulers.  If you’researching for motor home insurance, travel trailers, camper insurance, camper van insurance, then an RV insurance policy is what youneed.

Vacation Liability

Up to $10,000 of Vacation Liability coverage is automatically included with Comprehensive and Collision coverage.  Vacation Liability pays up to the specified limits for Bodily Injury and Property Damage for which you are legally responsible as a result of an accident that occurs while the RVis used as a temporary vacation residence.  Limits up to $500,000 CSL are available for Vacation Liability coverage.  This coverage is only available for pleasure users.

Full Timer's Package

Provides coverage similar to a homeowner’s policy and is required for people who use their RV as a primary residence, which is defined as not owning or residing in another dwelling.  The Full Timer's Package includes Full Timer's Personal Liability coverage, Full Timer's Medical Payments To Others coverage, Full Timer's Loss Assessment coverage and Storage Shed Contents coverage, as defined below:

• Personal Liability — Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.
• Medical Payments  — Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence.
• Loss Assessment — Pays up to $5,000 for certain assessments charged to the full timer while he owns or is a tenant of property in an association.
• Storage Shed Contents — Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.

Emergency Expense

Pays up to the specified limits for reasonable temporary living facilities and transportation expenses if the RV becomes disabled due to acovered loss.