Auto & Homeowners Insurance
Auto & Homeowners Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Quote Form
Homeowner Flood Quote
Auto and Home Protection
Auto insurance is a packaged policy that provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes
lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require
Questions to ask your agent
to buy some, but not all of these coverages.
It is important to note if you're financing a car
may also have requirements.
As your independent Agent, we act as an advocate for finding auto insurance that meets
your specific needs.
Here are a few things to consider as you prepare for the discussion:
How much can you afford to pay if you get in an accident?
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and
What's the procedure for filing and settling a claim? (Ask who to call and what
happens after you file a claim.)
To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.
What is Homeowners insurance?
Homeowners insurance covers both damage to your property and your liability or legal
responsibility for any injuries and property damage you or members of your family cause
to other people. This includes damage caused by household pets.
Damage caused by
disasters are covered but there are exceptions. The most significant are damage
caused by floods, earthquakes and poor maintenance. You must buy separate policies
for flood and
earthquake coverage. Maintenance-related problems are the homeowners'
responsibility. Other coverages that fall under the Homeowners Insurance are:
- Fire and dwelling (landlord Policies)
- Renters policies
Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your
home or possessions. That's important because chances are your home is likely one of
your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you'd need
money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help
- If you are a victim of theft and vandalism, it can reimburse you for your loss
or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
It is important to know that homeowners insurance is meant to cover unexpected damage,
not routine maintenance. Ask your agent to talk about what is covered and be sure to read
your policy. Make sure you consider bundling your policies (home and auto) together to
gain multi policy discounts.
Click any of the following links to submit a quote for quick, accurate and affordable rates.
Auto Insurance Quote Form
Homeowners Quote Form