Motor Vehicle

• Auto Insurance
  Auto insurance protects against financial loss in the event you have an accident. It is a contract between you and your auto insurance company. You agree to pay the monthly auto insurance premium and your auto insurance company in Glendale agrees to pay your losses as defined in your auto insurance policy. Auto insurance provides property, liability and medical coverage...
• Motorcycle Insurance
  Choosing the right motorcycle insurance is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of motorcycle insurance liability coverage, other types of motorcycle insurance coverage are usually optional. Always ask your motorcycle insurance agent or company representative which motorcycle laws apply in Glendale.
• Boat Insurance
  Larger and faster boats such as yachts and personal watercraft require a separate boat insurance policy. Jet skis and wave runners may also require a separate boat insurance policy. The size, type and value of the watercraft and the type of water in which you use it in, will factor into how much you will pay for boat insurance coverage.

Property

• Renters Insurance
  Renters insurance in Glendale provides financial protection against loss or damages to 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, damages or losses 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 for renters insurance is relatively inexpensive.
• Home Insurance
  Manufactured home insurance in Glendale provides two basic kinds of coverage: physical damage and personal liability coverage. Choosing the right manufactured home insurance policy is much like choosing the right manufactured home. You will want it to fit your needs and lifestyle, but you will also want it to be within your budget.
• Condo Insurance
  If you have purchased a condo, the bank will require condo insurance to protect its investment of your condo. You may however, need more condo insurance in Glendale to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building such as the lobby.

Health and Life

• Life Insurance
  There are two major types of life insurance, term and whole life. Whole life insurance is sometimes called permanent life insurance, and it encompasses several subcategories, including traditional whole life, universal life, variable life and variable universal life insurance.
• Health Insurance
  There are basically two types of health insurance plans: indemnity plans (fee-for services) or managed care plans. The differences include the choice of providers, out-of-pocket costs for covered services and how bills are paid. There is no one best health insurance plan for everyone. Some health insurance plans are better than others for your or your family’s health care needs, but no one health insurance plan will pay for all the costs associated with your medical care.
• Long Term Care
  Because of old age, mental or physical illness, some people may find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living sometimes referred to as ADLs. In general, if you can't do two or more of these activities, you are said to need long-term care insurance coverage.

Business

• Business Insurance
  Individuals that operate their own businesses need liability insurance in addition to a home based business or business... more
• Workers Compensation Insurance
  This type of workers compensation insurance is for the employer to provide for their employees. Workers compensation insurance covers the cost of medical care and rehab for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they die from work-related accidents. Workers compensation insurance is a remedy for all on-the-job injuries suffered by employees. As part of the contract included in each state’s law, the employee gives up the right to sue the employer for injuries caused by the employer’s negligence and in return receives workers compensation insurance and benefits regardless of who or what caused the accident, as long as it happened in the workplace as a result of and in the course of work-related activities.
• Commercial Liability Insurance
  Business owners are expected to have extensive knowledge or training in their particular area of expertise. They are expected to perform the services for which they were hired, according to the standards of conduct in their profession. If they fail to use the degree of skill that is expected of them, they can be held responsible in a court of law for any harm that is caused to another person or business. When liability is limited to acts of negligence, business liability insurance may also be called "errors and omissions" liability. Business liability insurance is considered to be specialty coverage. Business liability coverage is not provided under homeowner’s endorsements, home-based business policies or business owner’s policies (BOPs).

Personal

• Liability Insurance
  If you are ever sued, your home or auto policy will provide you with some liability coverage, paying for lawsuits against you and your lawyer’s fees, up to a limit set in the policy. However, in our society, you may want to have an extra layer of protection. That’s what an umbrella insurance policy provides.

Natural Disaster

• Flood Insurance
  The NFIP flood insurance policy provides replacement cost coverage for the structure of your home, but only actual cash value flood insurance coverage's are for your possessions. Replacement cost coverage pays to rebuild your house as it was before the flood damage. Actual cash value is the replacement cost coverage minus the depreciation. So that means the older your possessions are, the less you will get if they are damaged in a flood. There may also be limits on flood insurance coverage for furniture and other belongings stored in your basement.