Home Insurance

The home policy is a package policy that combines two separate coverages (property and liability insurance) into a single policy. So, if the home suffers a fire loss, for example, the home policy provides coverage for the fire damage. In addition, if a guest falls down the stairs of the home and sues the owner,…

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Auto Insurance For You

The standard personal auto policy includes liability coverage that is required by law if you own a vehicle. It also includes may include the following optional coverages depending on state statutes. Medical payments uninsured motorist coverage and damage to your covered auto. This type of policy may be written to insure private passenger autos, pickup…

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Tim W

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-Farm & Ranch Insurance-

Farm & Ranch Insurance Farm and ranch insurance is a coverage tailored specifically for farmers and ranchers. The policy is a hybrid with both homeowners and commercial insurance elements since ranchers and farmers live and work on the same property. The policy covers the home, personal property, additional living expenses, outbuildings, scheduled farm personal property,…

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-Farm & Ranch Insurance-

Farm and ranch insurance is a coverage tailored specifically for farmers and ranchers.  The policy is a hybrid with both homeowners and commercial insurance elements since ranchers and farmers live and work on the same property. The policy covers the home, personal property, additional living expenses, outbuildings, scheduled farm personal property, unscheduled farm personal property,…

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-Inland Marine-

Inland Marine Insurance Inland marine coverage typically covers property in transit over land. Typically, inland marine coverage forms provide coverage without regard to the location of the covered property; these are sometimes called “floater” policies. Inland marine coverage forms are generally broader than property coverage forms. Types of inland marine policies are: Cargo insurance Transit…

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-Builder’s Risk Insurance-

Builder’s Risk Insurance Builder’s risk insurance is a property only insurance policy that is designed to cover property in the course of construction. Buildings are subject to many different risks while under construction. They may catch fire, be damaged by high winds, or fall victim to other insured loss elements; therefore, coverage is usually written…

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