Motor Vehicle

• Auto Insurance
  Your vehicles are critical to the success of your business. To successfully protect your business, it is important to have adequate commercial auto insurance.
• Boat Insurance
  Regardless of the type of watercraft you have – jet ski, sailboat, fishing boat, house boat or an entire fleet – we are here to help you with all your watercraft insurance needs.
• RV Insurance
  Whether it’s used as your home base or for travel, recreational vehicle insurance is essential in protecting your motorhome, toy hauler, travel trailer or camper. RV insurance coverage is unique because your recreational vehicle may be considered both your home and mode of transportation. Acentria Insurance provides specific RV insurance quotes to fit your vehicle’s class, purpose and usage.
• Mobile Home Insurance
  Let the professionals at Acentria Insurance find the right coverage to protect your manufactured home assets with encompassing insurance and liability coverage. Here are some common mobile home insurance coverage options...
• Inland Marine Insurance

Property

• Renters Insurance
  Standard homeowners, condominium or renters insurance policies include a limited amount of coverage for collectibles, jewelry, and other valuable items. However, many policies limit the dollar amount of coverage for the theft or loss due to a covered peril of such items. To properly protect certain types of valuables, additional coverage is available through a policy endorsement or an additional separate personal articles policy.
• Home Insurance
  Your house is more than a home. It’s your haven, your happy place – and it holds both your family’s past and future. Above all, it protects the people whom you love and the things that you value. Likewise, homeowners insurance is more than insurance: it’s the foundation that supports all you love about your home. Whether it’s your childhood dwelling or seasonal home, Acentria helps protect it – and all that’s inside.
• Condo Insurance
  A condo insurance policy provides coverage for not just your personal items, but also “Additions and Alterations” as well as Liability within your individual condo unit. The condo unit owner policy provides coverage to the unit owner beyond what the condo association policy provides.

Health and Life

• Life Insurance
  At Acentria, we care about helping you protect your most important assets – and that includes your own life. Our life insurance rates and policies are designed to safeguard your loved ones and dependents to help reduce or eliminate financial hardship if you were to pass away.
• Health Insurance
  If your employer doesn’t offer health insurance, an individual health insurance program may enable you and your family to receive affordable healthcare. This helps protect you from extensive out-of-pocket costs in the event of a medical emergency.
• Disability Insurance
  Long-term disability coverage often lasts between two –10 years, while short-term disability insurance usually endures for about 10-26 weeks after the disabling event. Pregnancy, injury and illness are typically categorized as short-term disability events. Long-term disability may be used for an illness or injury that prevents you from working long-term, such as cancer. Both coverages provide income protection if you’re unable to work.
• Dental Insurance
• Vision Insurance

Business

• Business Insurance
  You’ve worked hard to build up your company. Shouldn’t you work just as hard to protect it? Business insurance is one of your most important investments. Since business claims often entail more complexities than personal claims, it’s crucial to find an insurance partner that understands all the intricacies – and can act accordingly. Acentria agents also have extensive experience with a variety of top-rated, nationally recognized carriers, who understand your business and can help manage your premiums.
• Commercial Property Insurance
  Handling multi-family duplexes and apartment buildings is no easy feat. Not only do you have to keep your tenants satisfied, but you also must ensure that every unit – and all general spaces – are safe places to live and play. As a specialist in multi-family buildings, we know what it takes to protect your apartments, duplexes and multi-family homes. An Acentria Insurance expert will work with you to develop a business property insurance policy that helps protect you, your tenants and your multi-family dwelling.
• Workers Compensation Insurance
  We specialize in helping our clients to understand the complexities of workers’ compensation insurance. The purpose of workers’ compensation insurance is to provide employees with proper compensation for job-related injuries or illnesses. Although specific laws vary by state, workers’ compensation insurance is generally required of companies with W-2 employees.
• Commercial Liability Insurance
  No. Business umbrella insurance policies are specifically designed to protect your business, rather than your personal assets. If you own a business, you will need to bundle your personal and business umbrella insurance policies for optimal coverage.
• Professional Liability Insurance
  Professional liability insurance provides protection in the event of a liability claim for professionals providing a service. For those in the medical field, this coverage is called medical malpractice insurance. However, the need for this kind of protection is not limited to those in the medical field. Professional liability insurance will provide payments in the event of a judgment for errors or omissions resulting in financial loss or injury. Any professional with a fiduciary responsibility should have this protection.

Personal

• Liability Insurance
  For small business owners or contractors, a business owners policy that provides property insurance is important. But it’s not the only insurance needed. We often forget the importance of general liability insurance.
• Travel Insurance
  Sometimes, circumstances beyond your control interrupt even the best-laid travel plans, but you can position yourself now to protect your investments. Avoid losses that stem from non-refundable travel items, such as hotel reservations, airfare and more, through one of our travel insurance policies. We can even help you set up coverage for damage to personal property, death and other medical emergencies that happen while you’re on vacation.

Natural Disaster

• Flood Insurance
  Floods are problematic for more than just waterfront homeowners. Occurring more often than tornadoes, earthquakes or hurricanes, the National Flood Insurance Program (NFIP) estimates that even one inch of water in your home can cause up to $7,800 of flood damage. Because a standard homeowner’s insurance policy does not cover flood damage, it’s important to protect your assets from potential devastation.