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Generally speaking, most Personal Auto policies provide the following basic
Bodily Injury Liability - Covers accidental injury or death of another person
if caused by you in an automobile related accident.
Property Damage Liability - Covers accidental damage to other people's
property if caused by you in an automobile related accident.
Defense Costs - Covers court costs, legal expenses and attorney's fees.
Collision - Covers you for damage to your car in an accident, regardless of
who was at fault.
Other Than Collision - Covers your car against damage from fire, lightning,
flood, theft, glass breakage, falling objects, and other specified perils.
Medical Payments - Covers you and your family in any car, and anyone riding in
your car for medical expenses resulting from an accident.
Uninsured / Underinsured Motorist - Covers injury suffered by you, your family
and anyone riding in your car against the uninsured / underinsured or hit-and-
Towing - Covers the cost of towing or the road service of a disabled auto. The
road service must be done at the site of disablement.
Rental Reimbursement - Covers the rental expense of a substitute auto due to
an "other than collision" or a "collision" loss
Your home is probably your most valuable asset, both as an investment and as
your sanctuary in a hectic world. When your home is damaged or destroyed, you
need your claim settled by an insurance company that understands this simple
fact. We can help you determine which of several companies we represent will
best meet your needs and provide the most valuable combination of tailored
coverage, quality service and fair pricing.
Plans for individuals or families
Life insurance is a crucial step in planning for your future and the future of
your loved ones. It can fulfill promises made to your family if you are no
longer around by providing a death benefit to your beneficiaries in return for
premiums paid to the insurance company. Life insurance can also provide
benefits while you are living.
Types of Life Insurance:
There are several different types of life insurance products available. The most common include:
Term provides life insurance protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It's generally less expensive than permanent life insurance, and is available in varying term periods with fixed premiums from a 10,15,20 or 30-year period (level term).
Whole life is a form of permanent life insurance that remains in force during the insured person's lifetime, provided premiums are paid as specified in the policy. Whole life insurance can build cash value.
Universal life is a form of permanent life insurance characterized by its
flexible premiums, flexible face amounts and unbundled pricing structure.
Universal life can build cash value, which earns an interest rate that may
adjust periodically, but is usually guaranteed not to fall below a certain
Senior Market: Medicare supplements and Long Term Care
Specialties: Motorcycle, Snowmobiles, Jet Ski, and RVs