Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

• Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.
• Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.
• Liability Coverage – This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
• Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. We work with several highly rated insurance carriers and together we can help you find solutions to meet your insurance coverage requirements and budget. Contact us today to get started! 

When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

A homeowners policy is for people who own their own home. This may be either a house, townhome or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the home and the contents of your home. It will cover theft of contents, natural disasters such as fire and wind (certain disasters like earthquakes, floods and landslides may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. 

With a renter's policy, the coverage includes the contents you own in the home, apartment, or room that you are renting. This is coverage for theft of contents, natural disasters such as fire and wind (certain disasters like earthquakes, floods and landslides may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace your damaged contents. Even though your landlord will have an insurance policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes from reliable top carriers. We work with many high-quality companies and together we can help you find the coverage that meets your insurance requirements and budget. Contact us today to get started!