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Auto Insurance

Auto Insurance Coverage

 Here are basically six different types of coverage. Some may be required by law. Others are optional. They are:  

  • Bodily injury liability - for injuries the policyholder causes to someone else.
  • Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.  
  • Property damage liability - for damage the policyholder causes to someone else’s property.  
  • Collision - for damage to the policyholder’s car from a collision.  
  • Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.  
  • Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

What is Auto Insurance?

 Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. 

Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions. 

Homeowners Insurance

Typical Home Insurance Coverage

  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). 
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. 
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented.
  • Additional Coverage
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. 
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. 
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

What is Home Insurance?

Home insurance, also commonly called hazard insurance or homeowner's insurance and is a type of property insurance that covers a private residence. 

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. 

Renters Insurance

How Much Renters' Insurance Do I Need?

The cost of renters insurance and the amount of personal property coverage you need depends on how much your property is worth.

To get a better understanding of your coverage needs, ask yourself the following questions:

  • How much are my belongings worth?
  • Could I afford to buy it all back again if it were destroyed in a fire or stolen?
  • What would I do in the event of a liability lawsuit against me?


And one more thing. If you have ever asked yourself "Do I need renters insurance?" the answer is probably yes

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