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Bodily Injury Liability
This coverage applies to injuries that you cause to someone else while driving your vehicle. You and your relative residents of your household are also covered when driving someone else’s vehicle with their permission. This includes medical and rehabilitation expenses, and noneconomic damages such as pain and suffering.
Property Damage Liability
This covers any damages that you or someone driving your vehicle with your permission inflicts on someone else’s property, such as their vehicle, fence or building. This also includes any contents that another vehicle may be carrying.
This coverage pays for your medical treatment – as well as that of other passengers in your vehicle – administered as a result of an accident. It pays all medical, surgical, hospital, nursing or funeral expenses up to the limit selected for you and your relative residents of your household while riding in any vehicle or as a pedestrian.
This coverage protects you, your relative residents of your household or someone driving your vehicle with your permission in the event that one of you is hit by a driver with NO insurance.
This coverage protects you, your relative residents of your household or someone driving your vehicle with your permission in the event that one of you is hit by a driver with INADEQUATE insurance.
This covers your financial loss due to theft or non-collision physical damage to your vehicle, such as fire, windstorm or vandalism.
This covers losses to your vehicle when you are involved in a collision with another vehicle or object, or as a result of flipping over. It also covers damage caused by potholes.
Towing and Emergency Roadside Assistance
Pays up to limit selected for road service and labor performed at the place of disablement.
This covers your temporary transportation expense up to the limit selected when your vehicle is laid up.
Homeowners' Insurance also commonly called hazard insurance protects you from "Casualty" (losses or damage to your home or personal property) and from "Liability" (damages to other people or property). The following are the different types of homeowners' insurance:
The personal umbrella policy is the most affordable “piece of mind” you can buy. Anyone can be sued, regardless of income level, for just about any reason. Personal liability lawsuits can result in judgments amounting in six and seven figures. If you do not have an umbrella policy you could be risking everything – your vehicle, your home, your lifestyle and possibly even your future income.
The personal umbrella provides non-business coverage as an excess coverage over the required underlying liability limits of your automobile and personal liability insurance. It also provides coverage for slander, libel and invasion of privacy.