INSURANCE MATTERS

Homeowners insurance covers losses and damages to an individual’s residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Business insurance covers the costs of property damage, lawsuits, lost business income, and other covered losses.  A Business Owner’s Policy, for example, combines property, general liability and business income coverage into one convenient policy.

Life insurance is a contract between you and an insurance company. Essentially, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death.

Disability insurance is a type of coverage that replaces a portion of your income if injury or illness prevents you from working. It provides financial security for you and your loved ones who may depend on your most valuable asset — your ability to earn a paycheck.

Umbrella insurance is extra insurance coverage that provides protection beyond existing limits and coverages of other existing policies. An umbrella policy can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations.