Homeowners insurance provides financial protection against disasters. A standard policy insures the house itself and the possessions within the home.

Homeowners insurance covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exceptions.
What’s not covered: Some examples are; damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Homeowners insurance protects you financially if something unexpected happens to your home or possessions. This is important because for most people your home is your largest financial investment.

• Fires or natural disasters can destroy your home, you’d need money to repair or replace it.
• Liability protection and medical coverage help pay expenses if a guest in your home is injured.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Auto insurance is a contract between you and the insurance company that protects you against financial loss if you are in an accident. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:
• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

It’s really all about protecting yourself financially.
• If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.

You’ll enjoy the water even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you’re in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If your watercraft is responsible for damage or injury to others, you may be sued for much more than you’re worth.

Your watercraft also needs protection when it’s on land. Accidents can happen while towing a watercraft. Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:
• bodily injury
• property damage
• guest passenger liability
• medical payments theft

Motorcycle insurance provides financial protection in the event of a motorcycle accident, loss, theft or damage. Motorcycle insurance includes liability coverage in case you are responsible for another person’s injuries or property damage.

• If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.

Umbrella insurance is meant to help protect you from large and potentially devastating liability claims or judgments. Personal umbrella coverage comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.

What is Typically Covered by Umbrella Insurance?
Bodily injury
Personal injury
Property damage
Landlord liability

What is Typically Not Covered by Umbrella Insurance?
Personal belongings
Intentional or criminal acts or omissions
Written or oral contracts