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Personal Insurance

Personal insurance helps bring peace of mind for what matters most.

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Protect what is most important to you with personal insurance solutions.

<h5 class="font_5" style="text-align: center">Every home is different, your coverage should be too.</h5>
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<p class="font_8" style="text-align: center">Finding coverage for your unique needs may seem overwhelming. There’s no one-size-fits-all solution, but there are many coverage options that may work for you. Home insurance policies cover a range of options tailored to fit the needs of your home and lifestyle. When reviewing your options, consider the following coverages:</p>
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<li style="text-align: center"><p class="font_8" style="text-align: center">Additional Living Expense/Loss of Use</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Collectible Cars</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Excess Liability Coverage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Fire</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Flood Coverage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Jewelry, Fine Arts and Collectibles</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Medical Expenses</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Miscellaneous Coverage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Off-Premises Theft</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Personal Injury</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Personal Liability</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Personal Property/Contents</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Property Damage</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Secondary Home</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Umbrella</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Water Back-Up</p></li>
<li style="text-align: center"><p class="font_8" style="text-align: center">Wine Collection</p></li>
</ul>
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<h5 class="font_5" style="text-align: center">Is your home protected?</h5>
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<p class="font_8" style="text-align: center">Does your current home insurance cover your needs? Chances are, it doesn’t. We’ll work with you to determine the risks your home faces and help you find customized coverage to fit your specific needs. Because whether you live in a one-story house or a mansion, it’s the place you call home. And your home deserves to be covered with insurance that’s more than the bare minimum.</p>
<p class="font_8" style="text-align: center">Are you looking for home insurance to protect your biggest asset? Contact us to discuss homeowners coverage options for your needs.</p>

Home Insurance

Home insurance protects your home and your family.

<h5 class="font_5" style="text-align: center">Protect your vehicle with auto insurance add-ons.</h5>
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<p class="font_8" style="text-align: center">Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You may also get policies that protect your car if it is damaged by an uninsured driver.</p>
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<p class="font_8" style="text-align: center">Are you looking for auto insurance to cover your car or truck? Contact us to discuss coverage options.</p>

Auto Insurance

Auto insurance provides the coverage you need to be on the road.

<h5 class="font_5" style="text-align: center">What you need to consider before getting life insurance.</h5>
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<p class="font_8" style="text-align: center">The premiums you pay depend heavily on your age and medical history, along with the amount you want the policy to payout. Some policies may also require a medical examination to qualify. Your situation is unique, and the life insurance policy you choose should fit your specific needs.</p>
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<p class="font_8" style="text-align: center">Are you interested in life insurance to protect the future of your family and loved ones? Contact us to go through the options so you can determine if you need term life insurance, whole life insurance, or universal life insurance.</p>

Individual Life Insurance

Individual life insurance helps safeguard the financial future of your family.

<h5 class="font_5" style="text-align: center">What do collision and comprehensive coverage offer?</h5>
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<p class="font_8" style="text-align: center">Motorcycle collision coverage may payout to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.</p>
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<h5 class="font_5" style="text-align: center">Optional coverages are designed to protect your ride.</h5>
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<p class="font_8" style="text-align: center">Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.</p>
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<p class="font_8" style="text-align: center">Are you ready to protect your ride with motorcycle insurance? Contact us, we’ll lead the way to help you find coverage.</p>

Motorcycle Insurance

Motorcycle insurance helps protect your ride on the open road.

<h5 class="font_5" style="text-align: center">Do you need umbrella insurance?</h5>
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<p class="font_8" style="text-align: center">The policy itself will have its own limit, but this is less likely to be an issue. In addition, coverage might be more affordable than you might think. While it covers large potential payouts, the premium usually reflects the reduced risk that the policy will need to payout.</p>
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<p class="font_8" style="text-align: center">Are you ready to get additional protection for yourself and your family with umbrella insurance? Contact us to go over your unique needs in regards to an umbrella policy.</p>

Umbrella Insurance

Umbrella insurance adds an extra layer of protection when you go over your limits.

<h5 class="font_5" style="text-align: center">The benefits of getting coverage for your condo.</h5>
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<p class="font_8" style="text-align: center">It may seem confusing to figure out exactly what coverage you need for your condo unit. The most important thing to know is that condo insurance is typically inexpensive in comparison to the potential out-of-pocket costs of replacing your personal belongings.</p>
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<p class="font_8" style="text-align: center">If you are living in a condo unit, you need condo insurance. Contact us to go over what your condo association doesn’t cover and how your policy may fill in the gaps.</p>

Condo Insurance

Condo insurance protects your personal property when renting or leasing a condo.

<h5 class="font_5" style="text-align: center">Different from other types of insurance.</h5>
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<p class="font_8" style="text-align: center">It’s important not to confuse disability insurance with some other programs. It is different than workers’ compensation insurance (a mandatory insurance program paid for by employers, which pays out if an employee is injured at work) and social security disability insurance (a government program for people with serious long-term conditions or disabilities who are unable to take on employment).</p>
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<p class="font_8" style="text-align: center">Want to know more about disability insurance for your employees? Contact us to go over your options.</p>

Disability Insurance

Disability insurance protects employees from temporary loss of income.

<h5 class="font_5" style="text-align: center">Specific coverage options for unique risks.</h5>
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<p class="font_8" style="text-align: center">Of course, there are other unique risks to consider that might be more customized to your lifestyle. Household help, such as nannies or landscaping crews, identity theft, international travel, and more all have specialized insurance solutions to help protect your wealth.</p>
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<p class="font_8" style="text-align: center">Do you have more to protect? High net worth insurance may be tailored to meet the needs of your unique lifestyle. Contact us to go over your coverage options.</p>

High Net Worth Insurance

High net worth insurance tailored to your unique risks, assets, and lifestyle.

<h5 class="font_5" style="text-align: center">Includes payouts for loss of vision, hearing, speech, and limbs.</h5>
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<p class="font_8" style="text-align: center">The plan pays out a smaller amount if the covered person loses their vision, hearing, speech, or limbs in an accident. Accidental death and dismemberment insurance can be a policy on its own, or it can be added on top of the normal life insurance payout.</p>
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<h5 class="font_5" style="text-align: center">Coverage is required for a majority of employers.</h5>
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<p class="font_8" style="text-align: center">Neither of these policies are substitutes for workers’ compensation insurance. This is mandatory for most employers, and while it only covers injuries or deaths at work, it does payout for medical bills, some lost income, and death benefits.</p>
<p class="font_8" style="text-align: center">Interested in learning more about life and accidental death and dismemberment insurance? Contact us to go over your options and to help you determine if it is a fit for your business.</p>

Life & Accidental Death & Dismemberment Insurance

Life and accidental death and dismemberment insurance for the unexpected.

<h5 class="font_5" style="text-align: center">Develop long-term care plans unique to your business.</h5>
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<p class="font_8" style="text-align: center">Long-term care insurance plans vary significantly when it comes to what types of care they cover and the trigger process by which they start paying out. Consider looking for a plan that meets your budget while still offering coverage to your employees.</p>
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<p class="font_8" style="text-align: center">Are you considering long-term care insurance as part of your employee benefits package? Contact us to go over your options.</p>

Long Term Care Insurance

Long-term care insurance helps fill in coverage gaps.

<h5 class="font_5" style="text-align: center">Exceptions of renters insurance.</h5>
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<p class="font_8" style="text-align: center">There are a few things that are not typically covered in a renters insurance policy. For example, if you park a vehicle at the rental property itself and it is stolen or damaged, your car usually won’t be covered by renters insurance. Floods or earthquakes require separate coverage that you would need to add to your policy. Also, if you have roommates who are not listed on the renters insurance policy, their personal belongings would not be covered.</p>
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<p class="font_8" style="text-align: center">Whether you rent a home or a studio apartment, you can’t afford to not have renters insurance. Contact us to go through your options.</p>

Renters Insurance

Renters insurance covers your belongings, liability, and additional living expenses while renting.

<h5 class="font_5" style="text-align: center">Optional add-ons to your boat insurance policy.</h5>
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<p class="font_8" style="text-align: center">One optional element of watercraft insurance is coverage for theft of or damage to your personal possessions kept or used on your boat. This is well worth considering when you think about the costs of sports or fishing equipment and expensive gadgets. You can also get optional boat towing and assistance coverage that protects you against the costs that come up if your boat breaks down while out on the water.</p>
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<p class="font_8" style="text-align: center">Spending time on the water is fun, and having watercraft insurance may help bring you peace of mind. Contact us to go over the coverage options for your specific boat or watercraft.</p>

Watercraft Insurance

Watercraft insurance helps protect you and your boat so you can enjoy the open water.

<h5 class="font_5" style="text-align: center">Exceptions for the conditions of coverage.</h5>
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<p class="font_8" style="text-align: center">Bear in mind that most policies only cover extreme weather such as hurricanes rather than just bad weather such as rain. You’ll rarely be protected against a bride or groom getting cold feet. Keep these exceptions in mind when deciding on an insurance policy.</p>
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<p class="font_8" style="text-align: center">Are you planning a wedding? Add wedding insurance to your list. Contact us to discuss the specifics of your wedding and how insurance may benefit you.</p>

Wedding Insurance

Wedding insurance is there to take the stress out of your special day.

<h5 class="font_5" style="text-align: center">Should you invest in an annuity?</h5>
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<p class="font_8" style="text-align: center">Whether annuities may be for you and what level of risk is appropriate will depend on your financial circumstances. You’ll also need to carefully consider the tax implications, particularly if you want to retire early.</p>
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<p class="font_8" style="text-align: center">Considering an investment in an annuity? Contact us to discuss your options.</p>

Annuities

Annuities help you invest in a secure future.

<h5 class="font_5" style="text-align: center">Makes transitioning life insurance easier.</h5>
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<p class="font_8" style="text-align: center">Starting a child life policy now reduces the risk of your child having trouble getting a life insurance policy themselves as an adult if they’ve developed a medical condition in the meantime. It may also offer perks such as discounts or the ability to get coverage without a medical exam.</p>
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<p class="font_8" style="text-align: center">Want to discuss the specifics of a child life insurance policy? Contact us to go over your needs and coverage options.</p>

Child Life Insurance

Child life insurance keeps your family prepared for the unexpected.

<h5 class="font_5" style="text-align: center">Covers limited use cars, not daily drivers.</h5>
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<p class="font_8" style="text-align: center">When it comes to deciding if you should get classic car insurance, one thing to consider is that many policies only apply to limited usage. That could mean anything from specified (low) annual mileage, or only covering trips to exhibitions and parades rather than everyday driving. Depending on how much you drive your classic car and the policy you choose, it may fit your specific needs.</p>
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<p class="font_8" style="text-align: center">Do you own a classic car? If so, you need classic car insurance to help protect your ride and your investment. Contact us to go over the coverage options unique to your vehicle.</p>

Classic Car Insurance

Classic car insurance protects your passion and most prized possession.

<h5 class="font_5" style="text-align: center">Fills in gaps with the California FAIR Plan.</h5>
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<p class="font_8" style="text-align: center">If you live in a brush fire-prone region in California, you might have coverage through the California FAIR Plan since many insurance companies do not insure homes in these areas. This offers coverage for fires, explosions, wind, hail, vandalism, volcanic eruptions, and more. However, it lacks coverage related to water damage due to plumbing leaks, theft, and liability. This is where having a difference in conditions insurance policy may offer additional coverage and fill in gaps you might have to better safeguard your home and investment.</p>
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<p class="font_8" style="text-align: center">Are you interested in enhancing your coverage with difference in conditions insurance? Contact us to discuss your options.</p>

Difference In Conditions Insurance

Difference in conditions insurance is tailored for perils unique to high-risk areas.

<h5 class="font_5" style="text-align: center">Factors to consider when getting earthquake coverage.</h5>
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<p class="font_8" style="text-align: center">Depending on your location, you may need to shop around for an earthquake policy. For example, in some areas, your home insurance may be required to also offer earthquake insurance, although it may not necessarily offer coverage specific to your needs. Also, if you have vehicles, check to see if they are covered under your earthquake policy.</p>
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<p class="font_8" style="text-align: center">Are you in need of earthquake insurance? For more details about your coverage options, contact us.</p>

Earthquake Insurance

Earthquake insurance offers stable protection for your home.

<h5 class="font_5" style="text-align: center">The difference between excess liability and umbrella insurance.</h5>
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<p class="font_8" style="text-align: center">The term excess liability is often interchanged with an umbrella policy, and the distinction between the two can be blurry. Some insurers use the distinction that umbrella insurance can cover some risks and situations not covered by the standard policy, while excess liability simply adds on a higher payout limit. Because such distinctions in terminology aren’t always used consistently, you’ll need to check exactly what your policies offer.</p>
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<p class="font_8" style="text-align: center">Want to find out more about how excess liability insurance may help bring you extra reassurance? Contact us to go over your coverage needs and options.</p>

Excess Liability Insurance

Excess liability insurance takes your insurance protection to the next level.

<h5 class="font_5" style="text-align: center">The difference between having and not having a flood policy.</h5>
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<p class="font_8" style="text-align: center">For most homeowners, floods are a low likelihood but high-cost risk. If you are hit by flooding you could lose most of your personal possessions, face major reconstruction work, or even be left homeless for months while your property is made habitable again. In most cases, not having coverage for flooding is a chance you simply can’t afford to take. There are many factors that go into tailoring a policy for your home, so it’s important to understand the reality of insurance and why it’s important to have it.</p>
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<p class="font_8" style="text-align: center">Do you need flood insurance for your home? Contact us to go over the benefits of obtaining a separate policy to fill in the gaps of your home insurance policy.</p>

Flood Insurance

Flood insurance is there for you in the event of a disaster.

<h5 class="font_5" style="text-align: center">You can bundle auto insurance with renters insurance, too.</h5>
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<p class="font_8" style="text-align: center">While home and auto insurance are commonly referred to together as an option to bundle, this doesn’t necessarily help someone who doesn’t own their home. If you have renters insurance (and you should), you may be able to bundle that policy with your auto policy as well.</p>
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<p class="font_8" style="text-align: center">Questions about bundling your home and auto insurance? Contact us today.</p>

Home & Auto Insurance (Bundled)

Home and auto insurance (bundled) covers your two biggest assets in one policy.

<h5 class="font_5" style="text-align: center">You can purchase services and insurance in multiple ways.</h5>
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<p class="font_8" style="text-align: center">There are numerous independent services that offer identity theft protection services that may or may not include insurance. Depending on what you choose, this may cost several hundred dollars a year. Insurance endorsements and riders are far less costly, often under $100 per year, but they usually don’t include monitoring at that rate. However, you may not feel you need the monitoring, especially if you’re regularly monitoring your credit on your own. Some employers will offer access to these plans on a discounted basis, so it may be worth inquiring about.</p>
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<p class="font_8" style="text-align: center">Questions about safeguarding your credit and assets? Contact us to learn more about identity theft insurance.</p>

Identity Theft Insurance

Identity theft insurance helps safeguard your assets and your good name.

<h5 class="font_5" style="text-align: center">Does your policy allow for inflation?</h5>
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<p class="font_8" style="text-align: center">Finally, check if and how your policy allows for inflation. It could be years before you need to take out the benefits, and the long-term care could last for many years after that. Individual long-term care insurance coverage limits that seem adequate today may not be so when you come to need them.</p>
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<p class="font_8" style="text-align: center">Contact us to explore individual long-term care insurance coverage and if it may be a fit for you.</p>

Individual Long Term Care Insurance

Individual long-term care insurance helps you manage risks and costs.

<h5 class="font_5" style="text-align: center">Get long-term disability coverage through your employer.</h5>
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<p class="font_8" style="text-align: center">Your employer may cover you with a long-term disability insurance policy or give you access to buy one at a discount. Even if this is the case, don’t automatically rule out getting your own policy instead or in addition to your employer’s policy. The employer’s policy might not offer a payout level that meets your needs, for example. Also, payments you receive from an employer policy may be taxed differently from those you receive from a long-term disability insurance policy you buy yourself.</p>
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<p class="font_8" style="text-align: center">Want to learn more about the details of long-term disability insurance? Contact us to learn more and to walk you through your coverage options.</p>

Long Term Disability Insurance

Long-term disability insurance helps cover you when you’re injured.

<h5 class="font_5" style="text-align: center">The difference in coverage for mobile and manufactured homes.</h5>
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<p class="font_8" style="text-align: center">Before taking out a policy, you’ll need to check the manufacturing date on the home. Most mobile homes built after June 15, 1976, are classified as manufactured homes rather than mobile homes, which could affect the type of policy insurers will offer. For example, if your mobile home is considered a manufactured home, you might need to insure it with a home insurance policy, which differs from the coverages offered in a policy designed specifically for mobile homes.</p>
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<p class="font_8" style="text-align: center">Looking to get mobile home insurance coverage to protect the place you call home? Contact us to discuss your options.</p>

Mobile Home Insurance

Mobile home insurance is there to protect your home sweet home.

<h5 class="font_5" style="text-align: center">Factors to consider when covering your off-road vehicle.</h5>
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<p class="font_8" style="text-align: center">To keep costs lower, consider a policy with a limited mileage allowance each year. You may also be eligible for discounts if you complete a safety course. And if you already have auto insurance or other policy, you may be able to get a multi-policy discount if you add your off-road vehicle.</p>
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<p class="font_8" style="text-align: center">Are you looking for off-road vehicle insurance to help protect your toys? Contact us to learn more.</p>

Off-Road Vehicle Insurance

Off-road vehicle insurance provides coverage for your toys.

<h5 class="font_5" style="text-align: center">It’s important to note what PIP doesn’t cover.</h5>
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<p class="font_8" style="text-align: center">Personal injury protection insurance differs from auto liability, and it is not a substitute for that coverage, which most states require. PIP does not offer coverage for injuries sustained by other parties involved in your accident. So, if the accident results in injuries to another driver or a pedestrian, your PIP insurance will not cover it. In addition, this policy does not cover damage to your vehicle or damage to other property, such as the other person’s vehicle or a fence, regardless of whether or not you are at fault. Your auto insurance policy likely contains other areas to cover those events.</p>
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<p class="font_8" style="text-align: center">If you are interested in learning more about personal injury protection (PIP) insurance and whether you are required to have it, get in touch with our agency today.</p>

Personal Injury Protection Insurance (PIP)

Personal injury protection is an important and often required subset of your auto insurance.

<h5 class="font_5" style="text-align: center">Factors to consider when getting coverage for your pets.</h5>
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<p class="font_8" style="text-align: center">You also have to watch out for a few rules that might surprise you. For example, a policy will often have a waiting period of around two weeks after you take out the policy. During this time you can’t make any claims for illnesses or accidents. Another difference from traditional medical policies is that you usually have to pay the vet bills up front and then make a claim to get the money back from the insurer.</p>
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<p class="font_8" style="text-align: center">Are you looking to cover your pet with pet insurance? Contact us to go over your coverage options and what works for the needs of your companion.</p>

Pet Insurance

Pet insurance helps protect your pets and your personal finances.

<h5 class="font_5" style="text-align: center">Helps cover the risks involved with renting out a property.</h5>
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<p class="font_8" style="text-align: center">When you rent out your property, there are always going to be risks that are unexpected. That’s why rental property insurance is key. Other covered risks may include any costs you have to pay to move a tenant in or out of the property during repairs and any compensation you have to pay to a tenant if damage puts heating or air conditioning out of action.</p>
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<p class="font_8" style="text-align: center">If you have any questions about rental property insurance, contact us to learn more.</p>

Rental Property Insurance

Rental property insurance helps protect your income property and investment.

<h5 class="font_5" style="text-align: center">Policy options that help prepare you for unexpected situations.</h5>
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<p class="font_8" style="text-align: center">While most insurance has limits on individual items, RV insurance policies often include a specific allowance for awnings and gas bottles, both of which can be particularly expensive to replace. When considering insurance, it’s worth looking for policies that offer rental cars and/or accommodation if your RV is put out of action during a trip, removing that extra worry.</p>
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<p class="font_8" style="text-align: center">Have questions about insuring your RV? Contact us, we’ll walk you through the coverage options for your recreational vehicle.</p>

RV Insurance

RV insurance to help bring you peace of mind on your travels.

<h5 class="font_5" style="text-align: center">Lower coverage limits overall.</h5>
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<p class="font_8" style="text-align: center">Coverage limits will often be lower at a seasonal or secondary home, simply because you likely keep fewer and less valuable possessions in a vacation property, particularly when it’s unattended. Because of the fact that your secondary home is at more risk and may have lower coverage limits, it might be worth taking the time to find a secondary home insurance policy that provides you with coverage specific to your needs.</p>
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<p class="font_8" style="text-align: center">Do you own another home and look to secure secondary home insurance? Contact us to go over your coverage options and guide the way.</p>

Secondary Home Insurance

Secondary home insurance covers your home away from home.

<h5 class="font_5" style="text-align: center">Coverage for short-term rental properties can be confusing.</h5>
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<p class="font_8" style="text-align: center">The bottom line is that finding insurance coverage for your property and situation can get confusing as there are so many different options, exclusions, and endorsements available. Choosing the wrong insurance can at best cost more than necessary and at worst leave you without coverage for a catastrophic loss. That’s why getting help in finding short-term rental coverage is essential.</p>
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<p class="font_8" style="text-align: center">Are you considering renting out your home? Contact us to discuss your short-term rental insurance options.</p>

Short-Term Rental Insurance

Short-term rental insurance for your home when someone else is using it.

<h5 class="font_5" style="text-align: center">Flexibility to find a snowmobile insurance policy.</h5>
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<p class="font_8" style="text-align: center">When it comes to snowmobile insurance, there is a wide range of coverage options, so you may find a policy for your snowmobile. It’s important to consider protecting yourself, others, and the investment you’ve put into your ride by insuring your snowmobile.</p>
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<p class="font_8" style="text-align: center">Are you looking to find a snowmobile insurance policy that suits your needs? Contact us to go over the coverage options available for your snowmobile so you’re ready when the snow starts to fall.</p>

Snowmobile Insurance

Snowmobile insurance keeps you and your ride covered when you hit the snow.

<h5 class="font_5" style="text-align: center">When do you need to get insurance for your special event?</h5>
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<p class="font_8" style="text-align: center">Typically, you will want to obtain special event coverage once you begin putting down deposits and paying for vendors, services, and event-related items. Also, the length of your event, whether just a few hours or a few days, may impact your coverage needs and timing, so keep that in mind as you start your planning. Whether you are planning on hosting an event at a venue or at your own home, accidents can happen and turn your day upside down. Large or small, any event you host requires a lot of planning and preparation. Special event insurance is one way to help protect your festivities and secure coverage for the potential risks you may face.</p>
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<p class="font_8" style="text-align: center">Planning on hosting an event? Consider special event insurance. Contact us to discuss your event and possible coverage options.</p>

Special Event Insurance

Special event insurance may help bring you peace of mind knowing your event is covered.

<h5 class="font_5" style="text-align: center">How much does an SR-22 filing cost?</h5>
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<p class="font_8" style="text-align: center">The cost of an SR-22 will vary from state to state. In some cases, there may be a filing fee that is added to your auto insurance policy premium. Another potential cost to keep in mind is that your driving record may sometimes affect your premium. If you’re deemed high-risk, an insurance company could charge a higher rate.</p>
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<p class="font_8" style="text-align: center">Not all auto insurance carriers will offer SR-22 filings or provide insurance to high-risk drivers. If you need help filing an SR-22, we can help. Contact us to learn more.</p>

SR-22

SR-22 filings give you proof of auto insurance coverage.

<h5 class="font_5" style="text-align: center">Is it time to switch gears?</h5>
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<p class="font_8" style="text-align: center">Telematics is a driving force behind safety. It can also help create optimal driving conditions for everyone on the road. It can improve driver habits, reduce accidents, help maintain vehicles, and keep drivers accountable. Often, drivers who spend less time on the road and have safe habits tend to find the incentives worthwhile. And, many tend to welcome the use of telematics as part of their auto insurance programs.</p>
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<p class="font_8" style="text-align: center">Are you considering telematics or usage-based insurance? Contact us today to learn more about your options.</p>

Telematics Insurance

Take Control of Your Premiums and Earn Rewards With Usage-Based Insurance.

<h5 class="font_5" style="text-align: center">Real-world examples of how insurance protects vacant homes.</h5>
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<p class="font_8" style="text-align: center">The same risks that face homes and other properties also apply to vacant homes. However, with vacant homes, there is an increased likelihood of certain risk factors. A home could be broken into by the previous owners of a foreclosed home who then destroy the interior. A small fire could start and damage neighboring homes before being stopped. A home under renovations could have appliances and fixtures stolen. These are the kinds of risks that may be covered in a vacant home insurance policy.</p>
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<p class="font_8" style="text-align: center">Do you have a house that’s currently unoccupied or will be soon? You may need vacant home insurance to help protect your investment. Contact us to discuss your coverage options.</p>

Vacant Home Insurance

Vacant home insurance provides coverage when no one is home.

<h5 class="font_5" style="text-align: center">Covers what home insurance alone cannot.</h5>
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<p class="font_8" style="text-align: center">Another option worth considering with valuable possessions insurance is coverage that isn’t restricted to your home. For example, a home insurance policy often won’t cover loss or damage to jewelry that you wear out of the house—whether that’s a necklace on special occasions or an engagement ring you wear every day. These types of policies will often have the option to cover such losses.</p>
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<p class="font_8" style="text-align: center">Not sure if valuable possessions insurance is for you? Contact us to learn more.</p>

Valuable Possessions Insurance

Valuable possessions insurance safeguards your most prized belongings.

<h5 class="font_5" style="text-align: center">What else can be covered by your yacht policy?</h5>
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<p class="font_8" style="text-align: center">When it comes to yacht insurance, there are many optional extras that you may want to have, depending on your needs. This may include towing costs if your yacht breaks down on a trip, coverage against collisions caused by uninsured boaters, or costs if you need to move your boat because of a hurricane warning.</p>
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<p class="font_8" style="text-align: center">Are you looking to get yacht insurance to help protect your investment? Contact us to go over the details of your yacht and the coverage options available.</p>

Yacht Insurance

Yacht insurance helps keep your investment afloat.

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