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Landlord Insurance
What is Landlords' Insurance?
Landlords' insurance is an insurance policy that covers a property owner from financial losses connected with rental properties. The policy covers the building, with the option of insuring any contents that belong to the landlord that are inside. Landlords' insurance is often referred to as buy-to-let insurance, however buy-to-let insurance is a type of landlords' insurance. It is important to distinguish between buy-to-let insurance which generally covers one property that has been purchased with a buy-to-let mortgage, and multi-property insurance, which covers two or more properties. Each of these types of landlords' insurance covers different things.
What is Usually Covered With Landlord Insurance?
The policy will normally cover standard perils such as fire, lightning, explosion, earthquake, storm, flood, escape of water/oil, subsidence, theft and malicious damage. Each insurance policy is different and may or may not include all these items. Optional coverage might include accidental damage, malicious damage by tenant, terrorism, legal protection, alternative accommodation costs, contents insurance, rent guarantee insurance, and liability insurance.
Landlords' insurance policies typically do not cover any personal property belonging to tenants, or otherwise protect the interest of tenants; although a liability policy protecting a landlord or property manager will be of benefit to tenants should they incur a loss for which the landlord is responsible.
Contact us to learn more about the right landlords' insurance policy for your property.
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Whether you own hundreds of properties or just one, we'll help you find the best coverage and the most affordable rates. Let us give you a quote and start saving money today!
Long Term Care Insurance
What is Long Term Care Insurance?
Long-term care insurance (LTC or LTCI), an insurance product that helps provide for the cost of long term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.
Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.
The Benefits of Long Term Care Insurance
Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).
Other benefits of long-term care insurance:
- Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.
- Premiums paid on a long-term care insurance product may be eligible for an income tax deduction. The amount of the deduction depends on the age of the covered person. Benefits paid from a long-term care contract are generally excluded from income.
- Business deductions of premiums are determined by the type of business. Generally corporations paying premiums for an employee are 100% deductible if not included in employee's taxable income
Medicaid provides some of the benefits of long-term care insurance. A welfare program, Medicaid does provide medically necessary services for people with limited resources who "need nursing home care but can stay at home with special community care services." However, Medicaid generally does not cover long-term care provided in a home setting or for assisted living. People who need long-term care often prefer care in the home or in a private room in an assisted living facility.
Contact us to learn more about the right long term care insurance for you.
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Long term care insurance covers expenses and services not covered with health insurance, Medicare, or Medicaid. Speak with one of our specialists about your options today.
Motorcycle Insurance
What is Motorcycle Insurance?
Motorcycle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from the actions of the motorcycle driver.
Motorcycle insurance may also offer financial protection against theft of the motorcycle and damage sustained from things other than traffic collisions.
Motorcycle Insurance Coverages
There several different types of motorcycle insurance coverages. Some may be required by law. Others are optional. The main coverages are:
- Accessory Coverage - Covers loss, theft, or damage to motorcycle accessories like saddlebags, custom handlebars, and OEM electronics.
- Comprehensive Physical Damage Coverage - Covers physical damage or loss of the motorcycle that is not the direct result of a moving vehicle collision.
- Collision Coverage - Pays for damage to an insured motorcycle when it hits or is hit by another car or object, or if the motorcycle overturns.
- Bodily Injury Liability Coverage - Pays damages for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense. This includes passengers riding on your motorcycle.
- Property Damage Liability Coverage - Pays damages for physical damage resulting from an accident for which you are at fault and provides you with a legal defense.
- Medical Payments Coverage - Pays medical expenses of the parties riding on the motorcycle involved in a motorcycle accident.
- Personal Injury Protection Coverage - This is an extension of motorcycle insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP is designed to be paid without regard to legal liability.
- Uninsured/Underinsured Motorist Coverage - Provides for a motorcycle operator to receive damages for any injury he or she receives from an uninsured, negligent driver. The coverage pays the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to as if the uninsured motorist had proper insurance
- Motorcycle Roadside Assistance Coverage - Roadside assistance and breakdown coverage assist operators whose motorcycle has suffered a mechanical failure that leaves the operator stranded.
Contact us to learn more about the right motorcycle insurance for you.
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For our clients motorcycles aren't just transportation, they're a way of life. We know motorcycle insurance because we love motorcycles too. Let us help you save money and protect your bike.
Medicare Supplement Insurance
What is Medicare Supplement Insurance?
Medicare supplement (Medigap) insurance can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medicare supplement insurance policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Important Things to Know About Medicare Supplement Coverage
- If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
- You pay the private insurance carrier a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
- A Medigap policy covers one person. If you and your spouse both want Medigap coverage, we'll work with you to setup two separate policies.
- Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Contact us to learn more about the right Medicare Supplement Insurance for you.
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Get help with unexpected medical costs that aren't covered by Medicare with supplemental coverage. Speak with an expert on medicare supplement insurance today.
Renters Insurance
What is Renters' Insurance?
Renters' insurance is an insurance policy which provides most of the benefits of homeowners' insurance. This includes liability insurance. The tenant's personal property is also covered against named perils such as fire, theft and vandalism. Renters' insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant's belongings
How Much Renters' Insurance Do I Need?
The cost of renters insurance and the amount of personal property coverage you need depends on how much your property is worth.
To get a better understanding of your coverage needs, ask yourself the following questions:
- How much are my belongings worth?
- Could I afford to buy it all back again if it were destroyed in a fire or stolen?
- What would I do in the event of a liability lawsuit against me?
And one more thing. If you have ever asked yourself "Do I need renters insurance?" the answer is probably yes.
Contact us to learn more about the right renters insurance policy for you.
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Could you afford to replace all your belongings if there were a fire, theft, or other major loss tomorrow? It only takes a few minutes to see how affordable renters coverage can be.
Recreational Vehicle Insurance
What is RV Insurance?
RV Insurance coverage is designed for most recreational vehicles, including motor homes, fifth wheel trailers, Airstream travel trailers, mounted truck campers and more.
Specialized RV coverage provides the features specific to the needs of an RV owner like contents coverage.
Recreational Vehicle Insurance Coverages
There are basically six different types of coverages. Some may be required by law. Others are optional. They are:
- Bodily injury liability - for injuries the policyholder causes to someone else.
- Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
- Property damage liability - for damage the policyholder causes to someone else’s property.
- Collision - for damage to the policyholder’s car from a collision.
- Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
- Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
- Contents Coverage - Covers damage or loss of the contents of the recreational vehicle. Contents coverage is typically purchased at a set amount not to be exceeded in a claim payout.
Contact us to learn more about the right RV insurance for you.
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The only thing better than hitting the open road with the freedom to go anywhere is saving money in the process. Let us quote your RV insurance to see how much we can save you.
Roadside Assistance
What is Roadside Assistance?
Roadside assistance and breakdown coverage are services that assist motorists, or bicyclists, whose vehicles have suffered a mechanical failure that leaves the operator stranded.
Types of Assistance That Are Typically Covered
Although there are many different available options and services with our roadside assistance plans and every type of roadside assistance plan includes different options, roadside assistance coverage typically provides protection for:
- Mechanical Breakdown
- Flat Tire Change
- Battery Jump Start
- Emergency Fuel & Fluid Delivery
- Locksmith Service
Contact us to learn more about protecting yourself and your family from a problem on the road.
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We offer roadside assistance because we care about the safety and security of your family. You'd be surprised how affordable our roadside assistance coverage is!
Travel Insurance
What is Travel Insurance?
Travel Insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one's own country, or internationally.
Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a "multi-trip" policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as "winter sports".
Risks Covered by Travel Insurance Policies
The most common risks covered by travel insurance are:
- Medical emergency (accident or sickness)
- Emergency evacuation
- Repatriation of remains
- Return of a minor
- Trip cancellation
- Trip interruption
- Visitor health insurance
- Accidental death, injury or disablement benefit
- Overseas funeral expenses
- Lost, stolen or damaged baggage, personal effects or travel documents
- Delayed baggage (and emergency replacement of essential items)
- Flight connection was missed due to airline schedule
- Travel delays due to weather
- Hijacking
Contact us to learn more about the right travel insurance coverage for you.
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You'd be surprised how affordable it can be to protect your trip from bad luck. Get a travel insurance quote today so there's one less thing to worry about on that trip.
Wedding Insurance
What is Wedding Insurance?
Couples purchase wedding insurance to cover unexpected financial losses related to their wedding. With the average wedding in the United States costing over $30,000 it makes sense to protect the financial investment.
Situations potentially covered by wedding insurance include:
- Loss or damage to the wedding dress or tuxedo
- Lost deposits as a result of vendor bankruptcy
- Cancellation due to illness, injury, military service or extreme weather
- Third-party or liquor liability claims.
Contact us to learn more about the right wedding insurance for you.
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Whether you need cancellation insurance, liability coverage, or some other form of financial protection for the big day, we're happy to help.
Umbrella Insurance
What is Umbrella Insurance?
Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.
When an insured is liable to someone, the insured's primary insurance policies pay up to their limits and any additional amount is paid by the umbrella policy up to the limit of the umbrella policy.
Common Situations Protected by Umbrella Insurance:
- Motor vehicle accidents with excessive physical damage, bodily injuries, or death.
- Slip and fall accidents on your property.
- Boating Accidents.
- Swimming Pool Accidents.
- Physical damage or bodily injury caused by your dog.
- Slander, libel, and defamation lawsuits.
- Judgments that exceed the limits of your auto or home policies.
Contact us to learn more about the right umbrella insurance for you.
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Umbrella insurance offers the ultimate peace of mind. Eliminate the gaps and insufficient limits on all your policies. You'll be amazed at how affordable coverage can be.
Workers' Compensation
What is Workers' Compensation Insurance?
Workers' compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
Additional Information about Workers' Comp Insurance
While plans differ among jurisdictions, provision can be made for weekly payments in place of wages (functioning in this case as a form of disability insurance), compensation for economic loss (past and future), reimbursement or payment of medical and like expenses (functioning in this case as a form of health insurance), and benefits payable to the dependents of workers killed during employment (functioning in this case as a form of life insurance).
General damages for pain and suffering, and punitive damages for employer negligence, are generally not available in workers' compensation plans, and negligence is generally not an issue in the case.
Contact us to learn more about the right workers compensation insurance for your needs.
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Let us help you make sure your adequately covered for workers comp. We'll get you a great rate and keep your business going strong.