Specialty
Umbrella Insurance
Insurance policies have limits that help to control your premium costs. In addition, these limits help insurers ensure that they are able to fulfill their financial responsibility and meet the claims needs of their policyholders. But limits leave you with some exposure to financial loss, because any claims that exceed the amount of a policy’s limit must be either paid for out of your pocket or be unrecovered. An umbrella policy can fill the gap that exists between your limits and your potential claims.
Umbrella policies extend the coverage limits of many types of liability insurance policies such as home and auto. It can provide $1 million or more in additional coverage to each of those policies you have. For example, when an auto insurance policy has a $250,000 limit and you injure another person in an accident, the medical expenses and lawsuit could cost much more than that. Having the added protection of an umbrella policy gives you another $1 million or more to put toward those costs. This keeps your savings intact while satisfying the financial obligations you have. Umbrella insurance can also provide protection for situations that would be excluded by other policies, such as when you are accused of slander or libel. Umbrella insurance isn’t just for personal coverage; it can also be purchased by a business in order to extend the reach of its various liability policies.
No matter how aggressive your liability insurance policy limits are, the inexpensive addition of umbrella insurance is a great, affordable way to extend your protection and meet whatever comes your way in the future.
Pet Insurance
What is pet insurance?
Pets are a part of our families. We want to do what we can to keep them healthy. If your pet becomes ill or has an accident, it could cost hundreds or thousands of dollars for treatment. Pet insurance helps with veterinary costs when your pet needs treatment. It can lower your out-of-pocket costs so you can avoid a financial crisis while keeping your pet healthy.
What are the benefits of pet insurance?
Many people think that elderly pets need the most veterinary care. But, research shows that young pets are more likely to need unexpected treatment. After all, young, rambunctious pets have a way of getting into trouble. With pet insurance you do not have to choose between paying a vet bill and paying the electric bill.
Medical advancements have made treating pets much more effective. This means that the right care can increase your pet’s lifespan. Most policies cover diagnostic testing, dental treatment, prescription medications and more.
Get started today!
Pets are part of the family. We understand how much joy you get from yours. Contact us to learn more about pet insurance and how it can help with expensive veterinarian visits.
Jewelry Insurance
What is jewelry insurance?
Your collection of jewelry reflects treasured memories and symbolizes your feelings for loved ones. Your wedding band serves as a reminder of your wedding day. Maybe you have a necklace that was a birthday gift from your mother. Each piece of jewelry is unique and valuable beyond the dollar worth. Jewelry insurance can protect your precious keepsakes from loss, damage or theft.
Standard homeowner insurance policies provide limited jewelry coverage, which is often lower than the value of your collection. These polices typically have several exclusions. Specialized jewelry insurance generally covers most incidents. Your jewelry is a part of your everyday life. Damages can occur, and gemstones can fall out.
What does jewelry insurance cover?
Jewelry insurance coverage varies by policy, but often includes damages, loss, theft and even mysterious disappearance. The ultimate goal is to repair or recreate your piece of jewelry to preserve your fondest memories. Every tiny detail, from gemstone quality to personalized engravings, is accounted for during recreation. When filing a claim, you will likely need an appraisal by a qualified jeweler to determine the value of the piece and to assist with repairs or recreation.
Ask an agent
We work with a variety of insurance providers to find you the best policy to suit your needs. We do the shopping for you so you can spend a little extra time polishing that beautiful necklace or beloved diamond ring. Call us today to get started!
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