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State Directory- Auto InsuranceMany changes are coming to Auto Insurance and what coverages you have now compared to what you have as of your next renewal. As an agency we are here to help you with these changes. Please feel free to contact us to discuss what is available and what the changes mean to you. Here are a few items that are being affected...
- Motorcycle InsuranceMotorcycle insurance can include liability, physical damage and also various optional coverages. Some coverages are required by law to operate your motorcycle and others are optional. Contact our Staff to discuss various coverages and options.
- Boat InsuranceUmbrella insurance is extra liability insurance designed to help protect you from major claims and lawsuits. As a result, it helps protect your assets and your future by providing additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.
- Inland Marine Insurance
- Renters InsuranceThere are plenty of reasons to put some of your belongings into a storage unit. You could be moving, jumping into spring cleaning or just needing more room to keep your stuff. According to the Self-Storage Association, 1 out of every 10 households in America rents a storage unit. The options are numerous and you can find one that will meet your every need. When it comes to insuring your property at a self-storage facility let’s clear this up and make it very simple for you. The insurance the Self-Storage facility owner has on their property does not cover your property. They own the unit but not the property inside, there for they have no insurable interest in your property. Most unit owners will require you to get insurance before they will rent to you. Some will try to sell you insurance at their office which is always an option, but first you should look into your home-owners or renters insurance. Some home and renters insurance policies provide some form of coverage for items stored away from the house or apartment. This is when you will want to reach out to your insurance agent and have them look into what is covered and how much coverage you have because there may be limited coverage. Usually most companies will cover 10% of the policy limit under homeowners so if you have a $100,000 policy, you would have up to $10,000. Most storage insurance depends on the carrier and policy, but will protect you against events that are out of your control. Some of these named perils could be lightning, fire, smoke, hail, explosions, plumbing leaks, vandalism, tornadoes, hurricanes and burglary. It’s a good idea to know the damages that may not be covered like damages caused by vermin, natural flooding or mold. Don’t let all this scare you away from buying the insurance. You want to make sure your belongings are covered so you will have to see how much property you are going to put in storage and how much coverage your current policy provides. If you need more coverage it can easily be added to your insurance policy at very little cost.
- Life InsuranceLife Insurance protects against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. Health Insurance covers medical and surgical expenses that are incurred by the insured either by reimbursing the insured for expenses incurred from illness or injury or paying the care provider directly. Health insurance is often included in employer benefit packages as a means of enticing quality employees.
- Health Insurance
- Workers Compensation InsuranceCommercial Insurance provides coverage for businesses to protect against potential losses through unforeseen circumstances like theft, liability, property damage, and for coverage in the event of an interruption of business or injured employee. Types of commercial insurance policies include Commercial Auto, Commercial Property, Commercial Liability, Commercial Inland Marine, Commercial Packages, Business Owners, Workers Compensation and Bonds.
- Commercial Liability Insurance
- Liability InsuranceHKS PERSONAL UMBRELLA BROCHURE — We as an agency are recommending that everyone really consider purchasing an umbrella policy to make sure you have enough liability coverage in the case of a lawsuit.