My Town Insurance Quotes

HOME INSURANCE

For a great many Americans, their home is one of their most valuable assets. Your home can have equity as well as house almost every personal item you own. Protecting it properly is important for many obvious reasons.  Homeowner’s can actually be over insured, however more times than not they are underinsured. In the event of a disaster, such as a total fire loss, would you rather be a little over insured or under insured? In many cases tens of thousands in homeowner’s coverage is only a few dollars a year different in premiums. Even so, your home, the equity, and the contents inside, are asset that should not be overlooked or underinsured. In most cases, you’re only paying hundreds of dollars a year for hundreds of thousands in coverage.

One of the most important areas of coverage that is often overlooked is the liability. Premiums can be as low as ten dollars a year between brackets of 100K to 1Million in liability coverage. It sounds expensive to add 300K liability to your home, when in fact it’s dirt cheap for the coverage. The reason it is so inexpensive is the chances of a law suit or someone getting hurt seems to be rare. But rare doesn’t mean it cannot happen to you. You’ve worked hard for everything you have, so be sure to not leave the door open to lose everything in a liability claim. Just the legal fees alone fighting a claim should be reason enough to properly insure from a homeowners liability claim. Did we mention it was dirt cheap?

AUTO INSURANCE

Auto insurance has become so commoditized and heavily marketed over all forms of advertisement, that many Americans are buying direct from the insurance company and basically representing themselves. When it comes to choosing and designing the right amount of insurance protection, many customers may be informed enough to represent themselves successfully. The scary thing is many people that buy direct will admit that they are not.

There is more to insuring your vehicles than being legal to drive down the road or protecting it from damage. The liability limits, medical payments, and uninsured motorist coverage are vastly misunderstood. This results in Americans driving TO WORK, risking everything they’ve WORKED FOR. Auto insurance is usually much more costly than home insurance. The reason is the “risk”. For liability purposes, are you more likely to be sued on your home policy or from your auto policy where you are driving down the highway each day? We’ll let you answer that question. When considering what you have at risk and when discussing this with a licensed agent, be sure to remember some important assets many tend to overlook. These assets can be, but not limited to, the equity in your home, other savings and real estate, and potentially most valuable YOUR EARNING POTENTIAL. Yes it’s true…if you hurt someone severely enough and found negligent, your wages can be garnished along with losing everything you own. This changes the game and make’s one stop to think whether they really want to save ten dollars a month or be properly protected.

UMBRELLA INSURANCE

For the value, umbrella insurance is dirt cheap and highly recommended. Think of umbrella insurance as an “excess liability” policy. It provides you personal coverage when you are sued in “excess” of your underlying auto or home liability limits. Also think of an umbrella policy as a large umbrella stretching over your home, auto, boat, motorcycle, golf cart, and other personal items, protecting your personal assets from lawsuits.

Notice we said “personal” assets. A personal umbrella is not intended to cover you for commercial purposes. You need a commercial umbrella for that purpose. However, a personal umbrella could be extended to minor business ventures and needs to be discussed with your trusted licensed agent. Some of these minor cases may be, but not limited to, a few rental properties, a home based business such as bookkeeping with no or little walk in traffic, teachers or tutors, and more.

Consider also if you were brought into a law suit where you thought you were definitely not at fault or perhaps not completely at fault. Could this happen? Of course…and your legal fees alone through this process could be a huge burden. Many insurance shoppers fail to realize umbrella policies will pay to defend you in a law suit along with paying up to the limits of the policy if you are indeed liable and lose the law suit. This is another big reason why it is our position you need a local, licensed, servicing agent to help protect you. Because insurance is not just to make you legal to drive down the road or make the mortgage company on your home happy, it’s to protect you from disaster.

You want to save money. We want to deliver on our MISSION above. You’ve clicked on the right site.

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