Motor Vehicle

• Auto Insurance
  Your vehicle doesn’t just get you from point A to B, it’s also a big investment and a reflection of your personality. Keep your vehicle, yourself, and your loved ones protected with an auto insurance policy that addresses your individual needs and budget.
• Boat Insurance
  41. Replacement cost coverage. As opposed to the actual cash value, replacement cost refers to the cost of replacing property without subtracting depreciation due to normal use or wear and tear. For example, if you have boat insurance, replacement cost coverage would pay to replace that boat with an identical model, or a model of comparable quality.

Property

• Home Insurance
  Germania Insurance has earned a coveted spot on Forbes’ list of America’s Best Home Insurance Companies for 2023. Full story

Health and Life

• Life Insurance
  In our previous blog, we talked about the details of the medical evaluation portion of your life insurance application. A medical evaluation can tell underwriters a lot about a person, but it's only half of the story!
• Health Insurance
  Fortunately, these exams, tests, and the results are protected by HIPAA, or the Health Insurance Portability and Accountability Act. This is a series of federal laws and national standards that protect sensitive patient health information from being disclosed without the patient's knowledge.

Business

• Business Insurance
  With unexpected catastrophes, accidents, injuries to customers or employees or unplanned temporary closures, having business insurance just might keep you in business. The Business insurance we offer is important to help protect you against these and other potential pitfalls.

Personal

• Liability Insurance
  33. Named insured. Like the term "insured," this term refers to a named individual or entity that an insurance policy covers, and is the person or organization listed on the declaration page. However, there are circumstances where the two can differ. For example, if a company has general liability insurance, that company would be the "named insured" as listed on the declaration page. Its employees would technically be insured under that policy, but only while they are performing their duties as an employee. In other words, they are insured, but not the "named insured."