Products & Services

Homeowner’s policy insurance is a multiple-line policy, meaning that it includes both property insurance and liability coverage, with a single premium is paid for all risks. Coverage limits are typically provided as a percentage of the main dwelling. The cost of homeowner’s insurance often depends on what it would cost to replace the house and which additional riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss.

Vehicle insurance, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. A vehicle owner typically pays insurers a monthly premium. The insurance premium the vehicle owner pays is usually determined by a variety of factors including the type of vehicle, the age and gender of the drivers, driving history, and address where the vehicle is primarily driven and stored. Credit scores may affect premiums.

Life insurance (or life assurance, is a contract between a policy holder and an insurance company, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death the insured person (does not have to be an owner). Some policies offer riders for events such as terminal or critical illness can also trigger payment. The policy holder typically pays a premium, either monthly quarterly, annually or as one lump sum

Commercial General Liability is coverage that a business typically purchases and covers many of the common risks that can happen to any type of business, such as bodily injury or property damage on the business premises or due to the business operations, personal and advertising injury, and medical payments.

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