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Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

Health Insurance

Health insurance insures you and your family against sudden medical expenses. A medical emergency can arise due to sudden illness or injury. With medical expenses rising, a health insurance policy would help you sail through a bad patch. Your medical expenses will be taken care of by the insurance company provided you pay your premium regularly. The premium, in turn, is influenced by your age and cover required.

Home Owners Insurance

Home owners insurance policies are designed to protect your house and personal property against losses from the perils listed in your policy.
Home owners insurance rates vary widely based on your geographic location. Areas prone to hurricanes, floods, hail, earthquakes, fires and other natural

disasters will generally have higher rates. Even the distance to the nearest fire department or fire hydrant can have an impact on your home owners insurance rates.

General Liability Insurance

General Liability and Property Coverage are the most basic types of commercial insurance and are limited to liability claims of bodily injury or property damage. General liability coverage is provided for accidents on your premises or client locations. Some client contracts also refer to these policies as Comprehensive Commercial Liability. It is important to remember that these policies exclude errors and omissions type claims related to the delivery of your professional services.

Workers' Compensation

Workers' Compensation is insurance, paid for by your employer, that provides cash benefits and medical care if you become disabled because of an injury or illness related to your job. All employees are covered by the Workers' Compensation Law. If death results, benefits are payable to your surviving spouse and dependents as defined by law.

Renters Insurance

Renters insurance provides financial protection against the loss or destruction of your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, destruction or loss of your possessions is not usually covered by your landlord’s insurance. Because in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium is relatively inexpensive.
By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, 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.
Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril. Most policies will reimburse you the difference between your additional living expenses and your normal living expenses but still may set limits as to the amount they will pay.

Dwelling Fire Insurance

It is really about protecting your investment. As a landlord, you want insurance that is tailored specifically to protect your rental properties. Dwelling Fire insurance gives you choices when purchasing the coverage you need. It is important to know that Dwelling Fire insurance is meant to cover accidental loss, not routine maintenance. Talk to your agent about what is covered and be sure to read your policy to determine exactly what is covered and what is not.

Life Insurance

Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums. Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons people buy life insurance.

The death benefit may be used:

To replace income the family would need to maintain their standard of living after the death of a wage earner.
To pay off a mortgage loan and other personal and business debts or to create a rent fund.
To create a fund for children's education.
To pay final expenses, such as funeral costs and taxes.
To create a family emergency fund or a fund for a family member with special needs