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At our insurance agency, we know that life is full of unexpected moments. That's why we're here to provide the support and coverage that fit your unique needs, helping you face the future with confidence.

Home & Auto

What Do Homeowners and Auto Insurance Policies Cover?

Homeowners and auto insurance policies are essential tools for protecting what matters most—your home, your vehicle, and your financial well-being. While coverage varies depending on location, carrier, and specific policy, standard plans generally include protection against the most common and costly risks.

Homeowners Insurance May Cover:

  • Theft – Loss or damage due to burglary or vandalism

  • Fire and Smoke – Damage caused by fire, smoke, or explosions

  • Windstorms and Hail – Weather-related destruction to the structure and belongings

  • Falling Objects – Including tree limbs, debris, or other hazards

  • Frozen Plumbing – Burst pipes or system failures due to freezing temperatures

  • Water Damage – From plumbing issues, water heaters, HVAC systems, or household appliances

Auto Insurance May Cover:

  • Liability – Covers injury or property damage you cause to others in an accident

  • Collision – Pays for damage to your vehicle from a collision, regardless of fault

  • Comprehensive – Covers non-collision events such as theft, vandalism, fire, or natural disasters

  • Uninsured/Underinsured Motorist – Protects you if you're hit by a driver with little or no insurance

  • Medical Payments/Personal Injury Protection – Helps with medical expenses after an accident

Investing in the right insurance coverage is a smart and proactive move. It helps you recover faster, stay financially secure, and live with greater peace of mind—whether you're at home or on the road.

Business

Small Business Insurance Overview:

Insurance policies designed for small businesses play a vital role in protecting a company's assets and finances from unforeseen and potentially costly claims. The following outlines key types of coverage available:

  • General Liability – This policy protects businesses against claims related to injuries and lawsuits from clients, offering essential support in legal matters.

  • Commercial Property  – Coverage under this policy safeguards business assets in the event of property damage, ensuring continuity of operations.

  • Business Owners Policy (BOP) – This comprehensive package combines both property and liability coverage, providing streamlined protection for small businesses.

  • Commercial Auto – Tailored specifically for business vehicles, this coverage protects against risks associated with company vehicles and drivers.

  • Workers' Compensation – This policy offers financial protection for both the employer and employees by covering medical expenses and lost income related to work-related injuries or illnesses.

  • Business Interruption – This coverage assists in recovering lost income and additional expenses resulting from a covered claim, helping to maintain financial stability during disruptions.

  • Employment Practices Liability – This policy is designed to mitigate legal costs associated with claims from employees or contractors regarding discrimination, retaliation, or wrongful termination.

  • Errors & Omissions (E&O) – Also referred to as professional liability insurance, this coverage addresses legal expenses and settlements stemming from allegations of errors, omissions, negligence, or faulty advice.

  • Equipment Breakdown  – This policy covers the costs associated with repairing or replacing damaged or malfunctioning equipment following a covered incident, minimizing operational downtime.

  • Data Compromise  – In the event of a cyberattack, this coverage addresses critical recovery costs, including legal fees and credit monitoring services, to assist businesses in regaining stability.

  • Home-Based Insurance  – Tailored for entrepreneurs operating from their residences, these policies provide protection against unexpected claims related to running a home-based business.

    This overview highlights the importance of utilizing appropriate insurance coverage to safeguard business interests and ensure operational resilience.

Property

What Property Insurance Typically Covers:

Property insurance—whether residential or commercial—is designed to help protect your buildings and belongings from a range of risks. Here's a look at some of the common events typically covered under standard policies:

🔥 Fire - Most standard property insurance policies cover fire damage to both the structure and the contents inside. This includes damage from accidental fires and, in many cases, smoke damage as well.

🧱 Collapse - Coverage for a building collapse may be included under specific conditions. This often applies if the collapse results from certain perils such as the weight of snow, ice, or sleet, hidden decay, or construction defects. It’s important to note that normal wear and tear or gradual deterioration is not covered.

💥 Explosion - Damage caused by explosions—whether from within the property or nearby—is typically covered. However, exclusions may apply, such as explosions resulting from nuclear hazards, intentional acts, or poor maintenance.

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🚫 Important Note on Flood Coverage

Flood damage is not included in standard homeowners or commercial property insurance policies, therefore add:

🏢 Commercial Flood Insurance

To protect a commercial building against flood-related damage, a separate flood policy is required. This can be purchased through the National Flood Insurance Program (NFIP) or select private insurers.

or

🏠 Residential Flood Insurance

Homeowners must also purchase a standalone flood insurance policy—usually through the NFIP or private providers—to cover damage caused by rising water, flash floods, and storm surges.

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