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Homeowners insurance comes in several different forms. We can help you get coverage in these various forms:

• HO-3
• HO-4
• HO-5
• HO-6

When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

Homeowners, Condo, and Renters Policy Types: The Differences

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. We are the best resource for this since they can accumulate multiple quotes from the top carriers for you online. We will give you the power to compare all the best policy options conveniently at home!

Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

• Collision Coverage – This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
• Comprehensive Coverage – This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting a deer or vandalism.
• Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
• Medical Payments – Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

There are other coverages we can add such as rental car coverage, gap insurance, and towing.  Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to allow us to compare insurance quotes with various carriers and present the option (or options) best for your needs. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

Although we have products that can be paired with drivers with multiple tickets/accidents, or require a financial filing (SR22), we are not always the cheapest.  As a general practice, our agency will not write coverage that only satisfies the state minimum liability limits (sometimes known as 15/30/5).  The lowest liability limit our office will write is 25/50/25, with matching uninsured motorist coverage.  We are more than happy to explain why this is important for you and your family.  

We specialize in placing preferred auto policies packaged with a preferred homeowner's or renter's policy.