The Insurance companies we represent provide a wide range of personal Insurance products at a competitive price. When applying for home, renters, or auto Insurance with our office, we take the time to discuss deductible choices, appropriate liability limits, and optional coverage for your specific needs.
Collision and comprehensive (other than collision) coverages Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
• Collision coverage insures you against damage to your vehicle caused during an accident.
• Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.
Liability coverage pays for injuries you cause to other people and damage you cause to other people’s property when you are at fault in an automobile accident.
Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Homeowner policies will differ on where you live, the valuables in the home and by the coverage you choose. A comprehensive plan will cover you if you have a loss due to fire, theft or other events, in addition to injuries on your property due to negligence.
Homeowners policy coverages:
• Property Coverage – to pay for repairs to your home, garage or other buildings that are damaged.
• Personal Property – endorsements cover loss of valuables in your home such as jewelry, electronics or guns due to theft or damage.
• Liability – if there is a claim when someone is injured or their property is damaged.
• Medical Expenses – medical coverage for someone that is injured, other than a resident, on your property.
• Living Expenses – you may need housing or food when you cannot live in your home caused by a covered loss.
There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at the Rose Insurance Agency can help you understand your potential risks and help you evaluate whether you may need additional coverages.
We look forward to the opportunity to work with you. Feel free to give us a call or fill out the form below.
Rose Insurance offers a free consultation to review your asset protection needs and ensure you have the right insurance at the right time. Get started by filling out this form and a Rose Insurance staff member will contact you.
Or contact us directly and be immediately connected to an agent.