Miscellaneous Insurance

Umbrella

 

Auto, homeowners and other property insurance liability limits may not be adequate to cover a large court judgement. Whether it's a serious at-fault auto accident or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your auto, homeowners, renters or boat policy. And an expensive judgement is the last thing you want to worry about. An Umbrella Policy can help protect your assets and provide additional insurance protection. 

 

 

Wedding Insurance

 

A wedding is an investment, and the average cost of weddings rises, now up to $28,000! For as little as $160 and no deductible, your wedding insurance policy can cover a variety of situations such as:

  • No dress

  • Lost deposits

  • Lost rings

  • Severe weather

  • Transportation shutdown

  • Ruined photos

  • Call to duty

  • Damaged gifts

  • Sudden illness

  • Venue requires insurance

  • Liquor liability

  • Additional expense

 

Dwelling Fire

 

A dwelling fire policy is not as comprehensive as a homeowner's insurance policy but it may be the right policy for your home insurance needs.

 

Who may need dwelling fire coverage?

  • Landlords who need to insure the building, but not the items inside it

  • Owners of properties under construction or renovation

  • Owners of properties not occupied full time, such as a seasonal or second home

  • Owners of homes that don't have much cash value, such as older or manufactured homes

 

Valuable Items/Collectables 

 

People who own valuable possessions need broader coverage than a basic homeowners policy. In case of a covered loss, this coverage allows you to recover the value of an item, based on a recent appraisal, or actual cash value, cost to repair, or cost to replace. Some examples may include:

  • Jewelry

  • Instruments

  • Coins

  • Trains

  • Precious Moments

  • Hummel Figurines

  • Furs

  • Guns

  • ...essentially, any collectible! 

 

 

 

If you would like to learn more about any of the policies we offer, please contact us today!