Property & Casualty Insurance

Property & Casualty insurance contains a lot of insurance options that we can handle for you. This includes auto, home, umbrella, flood, and commercial insurance. Our auto insurance plans include both personal and commercial. We offer home insurance for multi-family, condos, renters, dwellings, fire, and townhouses. For umbrella insurance, we cover both personal and commercial. We cover both flood and earthquake natural disasters. As for commercial insurance, we do business owner, workers comp, and building coverage. Below, we will go over what each type of insurance is and how they can benefit you!

Auto Insurance

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for:

Property – such as damage to or theft of your car
Liability – your legal responsibility to others for bodily injury or property damage
Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses

Basic personal auto insurance is mandated by most U.S. states, and laws vary. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget. Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it’s time to renew the policy and pay your premium.

Home Insurance

Home insurance is a type of general insurance that protects your home and belongings from damage and theft. It can help pay for repairs or replacements if something unexpected happens, such as:

Theft: Replacing stolen items after a burglary
Natural disasters: Storm damage, flooding, earthquakes, or volcanic eruptions
Man-made perils: Fires, explosions, or aircraft damage
Other risks: Unoccupied houses, electrical and mechanical breakdowns, or accidental water damage

Umbrella Insurance

Umbrella insurance, also known as a personal umbrella policy (PUP), is a type of extra insurance that offers protection beyond the limits of other policies. It can help cover liability claims and legal defense costs that your primary insurance policy doesn't cover or won't pay for in full. Umbrella insurance can be beneficial in situations where you're held responsible for things like: Bodily injury, Property damage, Certain lawsuits, False arrest, and Libel.

For example, if you're in an auto accident and are liable for the medical bills of multiple people, your umbrella insurance can pay for the difference between what your auto insurance covers and what you still owe. It can also cover your legal costs in the lawsuit.

Flood & Earthquake Insurance

Flood and earthquake insurance help cover the costs of repairs, replacements, and displacement after catastrophic damage. They are separate types of insurance that are not typically included in a standard homeowners policy.

Flood insurance Covers damage to your home or business from flooding, including:

Structural damage
Damage to installed items like plumbing and heating systems, appliances, and cabinetry
Damage to personal belongings

Earthquake insurance Covers damage to your home from earthquakes, including:

Structural damage like cracked foundations, crumbled chimneys, and collapsing walls
Damage to personal property and furnishings
Loss of use of your home
Aftershock damage

Commercial Insurance

Commercial business insurance is coverage for businesses and corporations, generally designed to cover the business, its employees and ownership. Since there are so many types of businesses with different needs and situations, commercial insurance can come in many shapes, sizes and colors. Unlike personal insurance, commercial insurance programs can cover multiple stakeholders and employees. Commercial insurance also differs from personal insurance because it tends to have much higher limits of coverage, since there’s typically more physical property at stake.

Moreover, commercial insurance carriers and agents are specifically trained in the risks and threats that businesses face. Plans are often structured to cater to a company’s specific industry and day-to-day activities. Personal insurance plans, like auto or renters insurance, tend to have a more one-size-fits-all purchase process.