Your home is likely the biggest investment you’ll ever make, and homeowners insurance helps protect it along with everything inside it. It covers the structure of your home, your personal belongings, and your liability if someone is hurt on your property—so a fire, storm, theft or accident doesn’t turn into a financial setback you have to face alone.
Auto insurance protects you, your passengers and the vehicle you depend on every day. It covers accidents, damage and liability on the road, and can also help with medical costs and repairs after a covered incident—giving you one less thing to worry about behind the wheel.
Renting doesn’t mean you’re without risk—your landlord’s policy covers the building, not your belongings or your liability. Renters insurance protects your personal property against theft, fire and other covered losses, and helps cover you if someone is injured while visiting your rental.
If you own a single rental home or property, a standard homeowners policy typically won’t cover it once tenants move in. Landlord insurance is built for property owners renting out a home they own individually, protecting the structure and your liability as a landlord while helping cover lost rental income after a covered loss.
Your home and auto policies protect you up to a limit—but a serious accident or lawsuit can exceed that limit faster than you’d expect. Personal umbrella coverage adds an extra layer of liability protection on top of your existing policies, helping safeguard your savings and future earnings if a claim goes beyond what your other coverage can pay.
Motorcycles, boats, ATVs and other recreational vehicles bring a different kind of risk than your everyday car, and they usually need their own policy. This coverage protects the vehicle itself along with the liability that comes with operating it, so you can enjoy your time off without worrying about what happens if something goes wrong.
We’re happy to walk through your options with you.
Call 970-945-0737