Benefits of Insurance: Insurance can help provide financial protection against economic loss. Even if you never have a claim, financial protection is vital. In addition, insurance helps you build a strong financial foundation for the future.
Homeowners/Property Insurance: Your home. Filled with family and love. What better feeling is there? I am here to help you protect what you have worked so hard for. Homeowners insurance protects people who own houses, condominiums, townhouses or mobile homes. Renters insurance is important protection for people who rent homes or apartments.
Having insurance to protect your home, funiture, clothing and other personal possessions is also important. I offer a full line of poperty and liablilty coverage to meet your needs.
Auto Insurance: You're covering more than just your vehicle...you're covering the people who are important to you. With all the choices you have regarding your vehicle these days, two things are certain. One, your vehicle needs coverage. Two, I can help you find the protection you need.
Life Insurance: Almost everything depends on your income. Most of the assets you enjoy - your home, car and all of your personal property - are likely to have been made possible by your income. But your income can be subject to many risks, such as death and subsequent financial loss. Without your income, your loved ones could experience potential loss of housing, retirement income, educational funds and current lifestyle. In the event of your death, how can you help protect those who depend on your income? The answer is...life insurance.
As your independent insurance agent, I feel it is important to provide you with information on insurance products that could be very important to you and your family in the future. Call me today so I can take a few minutes to explain how life insurance can help protect those who depend on you. Lock it in while you are younger, it only gets more expensive the older you get, and it's cheaper than you think!
Health/Disability/Long Term Care Insurance: Why do you need health insurance? Getting sick or injured is bad enough without having to worry about how you'll pay for the care you receive. Without the proper health insurance coverage, a major illness or injury could spell financial disaster for you or your family. Purchasing a health insurance policy may help protect against an unpredictable financial loss.
Here's an example of how health insurance pays off. Let's say your accumulate $60,000 in medical expenses as a result of a serious illness. Without health insurance, you are responsible for the entire amount; with insurance, your out-of-pocket responsibility might be reduced to just $5,000 - your annual deductible and coinsurance.
Can you afford not to have adequate health insurance coverage? Call me today to see which health insurance plan would be best for you.
Personal Umbrella: Why do you need the protection of a personal umbrella policy? Exposure to million dollar liability losses is no longer limited to large companies or the very rich. Individuals like yourself are being held accountable with increasingly large settlements. Your chances of becoming the target of a huge lawsuit are growing. One unfortunate situation could trigger a domino effect, toppling everything you have worked so hard for. Your hard earned savings, your personal property, even your future earnings could be at risk. The more you own in property and other assets, the more you stand to lose. So protect your assests and your family with a Personal Liability Umbrella.
What is a Personal Liability Umbrella? A Personal Liability Umbrella policy extends your coverage by adding a layer of protection over and above your primary limits. Should a loss exhaust your primary liablity coverage, a personal liability umbrella policy could pay up to an additional $1 million in covered damages.
Flood Insurance: What you should know even if you think you don't need flood insurance: Most homeowners policies DO NOT provide coverage for flood damage!
Because weather is sporadic and indiscriminating, flooding can occure almost anywhere, whether you live in a flood zone or not. Flooding can be caused by any number of sources including heavy rains, tropical storms, melting snow, inadequate drainage systems, and failed levees and dams.
Twenty Five percent of all flood claims DO NOT occure in high flood risk areas!
Protect your family and your investment...it's more than worth considering.
