BUSINESS LINES

  • AUTOMIBILE
  • MOTORCYCLE
  • RV/CAMPER/ATV
  • BOAT/JETSKI
  • HOMEOWNERS
  • MANUFACTURED HOMES
  • FLOOD INSURANCE
  • VACANT LAND
  • RENTERS INSURANCE

GENERAL INFO ABOUT PERSONAL LINES

Everyone includes rent, mortgage payment, car payment and utilities in their household budgets. Insurance costs should be considered as important as all of these.

 

Some basic information concerning all insurance coverage includes:

  • Insurance agents and insurance carriers are regulated by government requirements, which is why you are subjected to so much scrutiny and have to provide so many details when applying for a policy.
  • Insurance companies are getting more strict on individuals with lapses in coverage or cancellations. Maintaining continuous coverage can greatly benefit you in being able to obtain coverage as well as lowering the price of coverage.
  • When purchasing policies covering the damage of tangible assets, it is wise to know the difference between Replacement Cost Coverage (RCV) and Actual Cost Coverage (ACV).
  • RCV covers the actual cost of replacement
  • ACV covers the cost of the item minus depreciation

 

Look for links and videos throughout our website which we have chosen to help answer the questions you may have when reading our content. If you need further information or decide you need more coverage, please contact us. Having adequate insurance coverage gives you one less thing to worry about in this world!

 

 

Being adequately insured may seem like a burden to your budget, but the total cost of premiums far outweighs the amount of loss you could suffer. We hope that the content on our website will help clarify, inform and explain the myriad of personal insurance choices. We at least want to give you some basic considerations and bring forward circumstances and aspects of coverage you may not have thought of or been aware of before.