Insurance Products
Auto Insurance
Auto insurance is a contract between a vehicle owner and an insurance company, providing financial protection against physical damage and bodily injury resulting from traffic collisions and other incidents involving your vehicle. Coverages available are of coverages such as:
Liability: Required by Law to cover injuries or property damage to others if you cause
Collision: This pays for repairs or replacement of your vehicle if it's damaged in a collision, regardless of fault.
Comprehensive: Covers damages to your vehicle caused by events other than collisions, such as theft, vandalism, natural disasters, or hitting an animal.
Personal Injury Protection (PIP) or Medical Payments: This covers medical expenses for you and your passengers after an accident, regardless of fault.
Uninsured/Underinsured Motorist Coverage: Covers your injuries and vehicle damage caused by an uninsured driver
Many other coverages are available to choose for each your vehicles.
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Home Insurance
Home insurance is a safety net for your home and belongings. It typically provides financial protection against damages or losses caused by specific events like Fire, Theft, Wind and Hail. It includes coverage for the following:
Dwelling: Protects the structure of your home.
Separate Structures: Covers your fence or a detached shed or garage
Personal property: Covers your belongings inside the home.
Liability: Protects you if someone is injured on your property.
Additional living expenses: Covers living costs if your home is temporarily uninhabitable due to a covered damage.
When purchasing homeowner’s insurance it's essential to assess the value of your home and possessions accurately to determine the coverage you need. Costs vary based on factors like the type of policy you choose: Basic or Broad, the Replacement Cost of your home, coverage limits and deductibles. Keep in mind that Wear and Tear and Maintenance are not covered by your homeowners insurance.
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Life & Health Insurance
Health insurance is crucial. It helps cover the costs of medical treatments, doctor visits, hospital stays, surgeries, medications, and more, preventing you from bearing the full financial burden alone. Having health insurance encourages people to seek medical attention when needed, contributing to their overall health and well-being.
Life Insurance provides financial protection to your spouse and children who rely on your income. It can help cover ongoing living expenses, debts, mortgage payments, education costs, and other financial needs that would otherwise be challenging to meet in the event you pass away.
Life Insurance is a product you will most likely need to qualify for. Factors that impact you qualifying or the cost for a policy are: Your Age, Health, Occupation and Hobbies, among others.
There are different types of life insurance, such as Term, Whole life insurance, Index Universal Life offer varying structures in terms of coverage length and payout.
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Medicare Insurance
Medicare is a federal health insurance program primarily for individuals aged 65 and older, some younger people with disabilities, and people with end-stage renal disease. Understanding Medicare is essential as it can be complex, and different parts cover different services.
Medicare Part A: Covers hospital stays, skilled nursing facility care, hospice care, and some home health care services.
Medicare Part B: Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Medicare Part C (Medicare Advantage): This is an alternative to Parts A & B. It's offered by private companies approved by Medicare and often includes coverage for both hospital (Part A) and medical (Part B) services, and sometimes prescription drugs (Part D). Some plans might also cover additional services like dental or vision care.
Medicare Part D: This covers prescription drugs.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.