While most people have planned carefully for their future with life insurance and retirement programs to provide financial security for themselves and their families, few people are so financially secure that their assets could not be seriously impaired by an auto accident.
For the majority of people, their home and its contents represent their largest single investment. Therefore, they need to do whatever they can to protect this investment. Purchasing homeowners insurance is one way to protect this valuable asset.
We recognize that in today’s society, most families own one or more recreational vehicles. The risks of owning a recreational vehicle are similar to those of owning an automobile. A person is exposed by reason of the ownership or use of such a vehicle either due to injury or death to another or damage to another’s property, injury or death to the user of the vehicle, and physical damage to the vehicle itself.
When thinking about insurance, most people think about the common types of occurrences such automobile accidents, fire, windstorms, and burglaries, but there are other catastrophic events that most people never consider, namely flood and earthquake. What makes this even more of a concern is that neither earthquake nor flood is covered by a homeowners policy.
Umbrella coverage provides a cushion for additional coverage that picks up where liability limits on a home or auto policy leave off. An example would be the protection of home and assets against a suit where the homeowner has caused injury to someone on, for example a bicycle.
You love your pet, so the decision to take care of him or her is a simple one for you and your family. That's why we've partnered with the Hartville Pet Insurance program to offer customized coverage options at a price that's right for you, so you can be just as carefree as they are.