Motor Vehicle

• Auto Insurance
  Most rental car companies offer collision and comprehensive coverage, which is aimed at protecting the rented vehicle. In many cases, if you have a personal auto policy, it may already cover the usage of a temporary replacement vehicle, typically up to 12,000 gross vehicle weight (GVW). However, if the rented vehicle exceeds this weight limit, it would likely be excluded from coverage. Another factor to consider is whether the truck’s cab is separated from the bed, as this can also create an exclusion from coverage under most auto insurance policies.
• Motorcycle Insurance
  By keeping your motorcycle insurance, RV insurance, ATV insurance, or boat insurance in effect year-round, you not only avoid costly out-of-pocket expenses but may also be eligible for premium savings.
• Boat Insurance
• RV Insurance
• ATV Insurance

Property

• Renters Insurance
• Home Insurance
  Your garage catches fire and burns your motorcycle, boat, or ATV inside (Comprehensive claim for the vehicle, not covered by home insurance).
• Condo Insurance
  Condo Insurance – Ensure you’re not held liable for damages that go beyond your walls. Also, protect your items within!
• Landlord Insurance

Health and Life

• Life Insurance
  September is Life Insurance Awareness Month. As your local independent insurance agency, we are here to make you aware of the benefits of purchasing a life insurance policy. There are many options to choose from so if you have specific questions, reach out to our agency!
• Long Term Care

Personal

• Liability Insurance
• Travel Insurance

Natural Disaster

• Flood Insurance
• Earthquake Insurance
  Your home is your castle. Upon purchasing your policy, make sure you give your H&K Insurance agent a clear description of your home’s structure (size, bathrooms, bedrooms and any custom items). This policy should also list excluded events that may not be included in the policy.