Auto and Homeowners Insurance

Auto and Homeowners Insurance Information

Homeowners insurance, is really all about protecting yourself financially if something unexpected happens to your home and your possessions, as your home is likely one of your largest investments. A Homeowner policy provides different coverages:

Part A, Real Property: covers the dwelling and building

Part B, Real Property other structures: covers any building on the premises that are separated from the home or connected via a fence or similar connection such as a detached garage

Part C, Personal Property: covers property owned other than Real Property. Loss of belongings will be covered as a result from disasters or burglary, anywhere in the world. Including things that are stolen from the insured car while traveling.

Part D, Loss of use of living space: if insured’s home is uninhabitable due to a covered loss, policy will pay for additional living expenses, or fair rental value cost.

Part E, LiabilityProvides coverage in the event insured is legally responsible for injury to others. Liability coverage provides a defense and will pay damages, as the insurance company deems appropriate. It covers injuries and damages that occurred at insured’s home or anywhere in the world.

Part F, Medical Payments to others: covers necessary medical expenses incurred by others due to an accident caused by insured.

Causes of loss: examples of covered causes of loss by a homeowner policy includes but not limited to: fire, wind, lightning, explosion, riot or civil commotion, vandalism, theft, damages to the building that is caused by falling objects such as a tree or an airplane. A Homeowner policy will not cover damages caused by Floods and Earthquakes. You must buy two separate policies for flood and earthquake coverage.

Things to consider and questions to ask your agent
Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)


Auto insurance protects you against financial loss in case of an auto accident. Auto insurance coverage types include:

Liability: covers the insured when the insured is legally liable for bodily injury to another person or damage to another person’s property. Payment of legal defense costs is also part of liability coverage.

Medical Payments Coverage: pays for medical expenses of insured and passengers for bodily injuries sustained while riding in the insured’s care.

Uninsured/Underinsured Motorist: it protects insured for bodily injuries when it is caused by another driver who either has no liability insurance or has coverage that is less than the minimum requirements of state law; or a hit-and run driver who cannot be identified.

Physical Damage to Insured’s Own Car: this coverage is divided into two categories:

Collision: covers direct or accidental physical damage to insured car as the result of upset or overturn of a covered auto or impact with another vehicle or object, such as if the insured hits a bridge, tree or mailbox.

Comprehensive, or Other Than Collision: provides coverage if insured’s car is stolen or damaged by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees. 


Questions to ask your agent 

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Auto and Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.