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Homeowners insurance is a type of property insurance that covers damage to your home, loss of personal belongings, and other items in your home. Some homeowners insurance policies will also cover living expenses, while others will pay for medical bills for people injured in your home. source: insuranceopedia

Renter insurance is an insurance policy built to suit the needs of individuals and families who do not own the property they live in. In many ways a renter insurance policy is similar to a homeowner insurance policy except the building coverage has been removed. However, there is still coverage for personal property and personal liability among other important coverages.

Life insurance is a contract with an insurance provider that promises to pay your beneficiary a sum of money when you die. Life insurance provides a lump sum of money to a named beneficiary, in the event that the insured person dies. In exchange, the insured policyholder pays a premium to their insurance company. A life insurance policy is a legally binding contract. For the policy to be “in force” the policyholder must keep up with their premium payments, or they risk a claim being denied. When the policyholder passes away, their beneficiaries receive a payout. Beneficiaries are decided by the policyholder, and they are usually loved ones. However, a life insurance beneficiary can be anyone. Some people will choose to donate their life insurance payout to a charity. There are different types of life insurance policies, such as Term life & Whole life. Term life policies only last for a set number of years, while Whole life policies cover a person’s entire lifetime. source: insuranceopedia

Business insurance is one of the most important aspects of running any business. It can protect you and your business against a variety of risks and financial losses, including property damage, liability, workers' compensation, and more.

GL only provides coverage for damage and injuries your business causes to a third party. It does not cover damage to your business’ own property or injuries to your employees. Ex: 1. A customer trips over a misplaced box in your store and sprains their ankle. 2. An outdoor sign falling on your customer’s car. BOP combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft, or other covered disasters. Business owner’s insurance also helps cover claims that could arise from your business operations. These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury.

Running a business exposes you to a lot of financial risk, you could face various risks in your day-to-day operations. Investing in essential business insurance ensures you stay afloat, no matter what the forecast. Small businesses, in particular, should carefully assess their risks and purchase the right coverage because they face more financial exposure in the event of any loss.

Workers’ compensation insurance is insurance coverage for employees who get injured while working or develop a job-related illness. The employee can seek payment of benefits for wage replacement, medical treatment, and disability or vocational rehabilitation arising from accidents and illnesses that are job-induced. For employers, the coverage means protection against liabilities caused by these work-connected situations.

Auto insurance is a contract between you and an insurance company where you pay a monthly car insurance premium in return for financial protection in the event of a vehicle-related accident or property damage.

Your car insurance coverage depends on the policy you purchase, but a typical car insurance policy includes: Bodily injury (BI) and property damage (PD) liability coverage for damage caused to other people or property. Personal injury protection (PIP) to cover medical expenses and other damages. Collision and comprehensive coverage for damage done to your vehicle in collisions, and in non-collisions (i.e., fire, vandalism, or theft). Uninsured and underinsured motorist (UM/UIM) coverage protects in the event of an accident where the at-fault driver doesn’t have insurance.

The deductible is the amount to be shouldered by the insured before their claims are processed. The insurance company then shoulders the rest.

Liability insurance is the portion of your insurance policy that pays for damage you cause to another driver or their property in an at-fault accident. Liability insurance is typically broken down into two parts: bodily injury liability coverage and property damage liability coverage.

NO. We cannot draw a quote without a driver’s license. Contact us right away, as soon as you get your DL.

Comprehensive insurance covers the cost of damage to your car caused by something other than a collision, like theft, vandalism, fire, natural disasters, falling objects, and animal damage. Comprehensive coverage is typically sold with liability insurance and collision coverage as part of a full coverage insurance policy.

Yes, the make, model, and cost of your vehicle can affect your rates.

Most policies cover rental cars unless the rental is for business purposes.