Homeowners Policy — a package insurance policy providing property and liability coverage[s] tailored to the needs of most home owners, condominium owners, and apartment tenants. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. It is the most commonly used insurance policy protecting homes in the United States.


Auto insurance is a policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage. By Julia Kagan

We offer a wide variety of coverage From Classics to Hot Rods

Antique and classic cars • Modified vehicles – like hot rods, tuners and lowrider • Kits and replicas • Classic trucks and utility vehicles • 1980 or newer collector cars • Collector motorcycles and scooters • Muscle cars • Collector race cars • Motorsports protection • Classic military vehicles • Retired commercial vehicles • Vehicles under construction • Collector trailers


Motorcycle Insurance — a stand-alone form designed to provide appropriate coverage for a variety of motorcycles and related vehicles, such as trikes, mopeds, scooters, dirt bikes, all-terrain vehicles, Segway® personal transporters, golf carts, and snowmobiles. A motorcycle is typically defined as (1) a two-wheel land motor vehicle with wheels in tandem (including an attached side car) that is designed primarily for use on public roads or (2) a three-wheel land motor vehicle designed primarily for use on public roads. Although motorcycles can be added to the personal auto policy (PAP), coverage gaps can result. Several insurers have developed this insurance for motorcycle owners, which reduces or eliminates these gaps. Some insurers also have specialty policies for off-road cycles, such as dirt bikes. By International Risk Management Institute, Inc.


Boat insurance, also known as watercraft insurance is an insurance policy that provides coverage for boats and personal watercraft. Watercraft insurance, also known as boat and personal watercraft insurance, often includes towing and wreckage removal, as well as fuel spill indemnification. This type of insurance may be purchased for sailboats, house boats, and pontoon boats, as well as other watercraft up to a certain size and value. By Julia Kagan


Farmowners Insurance — these policies, sometimes referred to as farm insurance, provide homeowners, commercial property, and commercial liability coverage. The unique combination of commercial and personal coverages is necessary because it is typical for farms to have both residential and commercial characteristics. Coverage can apply to farms or ranches. These types of policies typically pertain to family and individually operated farms, not large commercial or corporate farming operations. Some farm coverages may be written on a monoline basis. By International Risk Management Institute, Inc.


Commercial property insurance is designed  to help protect the facade your business owns or leases as well as the business’s personal property, including tools, equipment, inventory and furniture used for business purposes. It also includes overages for assets such as accounts receivable, computers and loss of income is such cases. Additional protection can always be added to the present policy in most cases.


Workers Compensation — the system by which no-fault statutory benefits prescribed in state law are provided by an employer to an employee (or the employee’s family) due to a job-related injury (including death) resulting from an accident or occupational disease. Such insurance must be carried by all employers in most states. Such benefits may include cash or wage-loss benefits, medical and career rehabilitation benefits, and in the case of accidental death of an employee, benefits to the dependents.


Health insurance is a type of insurance coverage that pays for medical, surgical, and sometimes dental expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees, with premiums partially covered by the employer but often also deducted from employee paychecks. The cost of health insurance premiums is deductible to the payer, and the benefits received are tax-free. By Julia Kagan


Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured. This is often calculated with a free asset ratio. For more information and explanation, call us, we will be glad to help. By Julia Kagan


An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured’s homeowners, auto, or watercraft insurance. It provides an additional layer of security to those who are at risk of being sued for damages to other people’s property or injuries caused to others in an accident. It also protects against libel, vandalism, slander, and invasion of privacy. Candidates for umbrella insurance include people who possess considerable assets or potentially hazardous things, or who engage in activities that could increase their risk of being sued. Downloaded from Investopedia’s website.