Home and Auto Insurance
Home Insurance
Your home is the center of your life and your biggest investment, which is why it’s important to do everything you can to protect it. We’ll help you plan for the unexpected with home insurance coverage that’s just right for your home and your family. With the right policy, you can be protected from the small and large risks related to owning a home.
What are the risks your home faces?
Imagine if your house caught on fire. Not only would you lose your home, but you’d also be burdened financially and emotionally. Without adequate home insurance, you would be left with no way of raising the funds to pay off the balance of the mortgage.
Of course, home insurance may also protect you from more common things like pipe leaks and property damage. Because even small issues can add up, having comprehensive home insurance coverage helps you protect your biggest investment.
How do you know what coverage you need?
Finding the right coverage for your unique needs can seem overwhelming. We make things simpler by creating an insurance policy that gets you the proper coverage for your house at the right price.
Every home is different; your coverage should be too.
Home insurance policies cover a range of options tailored to fit the needs of your home and lifestyle. When reviewing your home insurance options, consider the following coverages:
- Fire
- Personal Property/Contents
- Property Damage
- Additional Living Expense/Loss of Use
- Jewelry, Fine Art, and Collectibles
- Personal Injury
- Flood Coverage
- Water Backup
Do you have the right home insurance?
Chances are, your current home insurance doesn’t cover all of your needs. As your insurance advisor, we’ll work with you to determine the risks your home faces and customize your coverage to fit your specific needs.
Explore additional individual solutions.
Auto Insurance
Your vehicle can be a costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
Insurance for the vehicle you rely on daily.
A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Meeting minimum coverage requirements.
Remember, not all car insurance is created equal. Some auto insurance policies simply meet legal requirements. In most states, this means your auto insurance will cover the damage you cause to other cars in collisions. However, auto insurance in some no-fault states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.
Take your auto policy further with beneficial add-ons.
Additional auto insurance policies go further and protect your car or truck if it is stolen, damaged, or destroyed by fire, or if it’s damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.
Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.
HOME AND AUTO INSURANCE BUNDLED
Bundling home and auto insurance is the practice of buying these two insurance policies from the same company. Many companies offer a discount when you buy multiple policies, and the paperwork can sometimes be easier this way. People often ask us, “Should I bundle my home and auto insurance?” There’s no one-size-fits-all answer, but our advisors are here to guide you.
Consider bundling home and auto insurance.
Discounts on bundled home and auto insurance can vary from 10% to 25% of the policy premium, which can result in significant savings. In addition, you may be able to pay the premiums for the policies together, which adds convenience. Even if you do have to pay separately, dealing with just one insurance carrier can save you time when your renewal rolls around.
Check the individual policy prices and coverages.
The discount and the convenience of having your home and auto insurance bundled can be very enticing, but if savings are what you’re after, this may not be the least expensive option. Additionally, some companies may only bundle certain policies, leaving you to buy more coverage than you need simply to get the bundled rate. One of our independent insurance agents can help you comb through the details to find the policies that are right for you.
You can bundle auto insurance with renters insurance, too. While home and auto insurance are commonly referred to together as an option to bundle, this doesn’t necessarily help someone who doesn’t own their home. If you have renters insurance (and you should), you may be able to bundle that policy with your auto policy as well.