Other Solutions
Homeowners
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it 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.
- 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 pay expenses.
- 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.
Renters
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm, or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Mobile Homes
A mobile or manufactured home policy provides coverage for your home, personal belongings, and structures on the land you own. This includes protection against things like fire, wind, hail, water damage, theft, hurricanes, visitor injuries, and more.
Flood
There's something you should know: Flood losses are not covered by your homeowners insurance policy. Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you must repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.
This is why flood insurance is crucial to make sure you stay protected no matter what. With flood insurance, policyholder claims are paid even if a disaster is not Federally declared. This means you’ll be reimbursed for all your covered losses without having to repay.
Life
Our life insurance coverage provides your business and family the resources to cover your funeral expenses or debts in the event of your death. Life insurance should be the cornerstone of your financial planning. Don't leave your family vulnerable to financial hardship. We offer:
- Universal Life Insurance
- Term Life Insurance
- Whole Life Insurance
- Corporate buy/sell insurance
Bonds
Also known as “financial guaranty insurance,” is a type of insurance where the insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond.
An insurance bond is meant to prove or support the financial stability of the person purchasing the bond. It affirms that the principal will be able to repay the bond company if it pays out a claim. They are intended to work as an extra layer of protection just in case the bond purchaser is liable for not meeting the terms of any work-related agreements.
SR-22s
An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. It’s not technically insurance, but a form filed with your state. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.