Auto

Liability Coverage – typically helps protect you for damages to others if you’re at fault in a covered accident.

Medical Payments Coverage – typically helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.

Underinsured/Unisured Motorist Coverage  – typically helps protect you for covered damage caused by drivers who don’t have auto insurance or don’t carry enough auto insurance.

Collision Coverage - typically helps pay to repair or replace your insured car after a covered accident.

Comprehensive Coverage – typically helps pay for covered damages to your insured car resulting from a peril other than a collision, such as theft, windstorm or flood, to name a few.

Personal Injury Protection - This typically provides coverage for an insured person for certain reasonable and necessary expenses. The types of expenses vary by state. Some examples of typical expenses include: medical and hospital expenses, income continuation, loss of services, funeral expenses, and child care expenses for bodily injury caused by a covered accident, regardless of who was at fault. It’s only available in certain states.

Property

Liability Protection - This typically provides coverage if you, as an insured person, are legally obligated to pay damages due to bodily injury of others or for damage to their property arising out of a covered loss. For example, you’re playing catch with your friends, you throw the ball and it inadvertently crashes through your neighbors’ window and breaks something. The property damage you accidentally caused may be covered here.

Guest Medical Coverage - Provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

Personal Property Protection - Provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. Most Homeowners, Condominium, Mobilehome or Renters Insurance Policies set aside special coverage limits for movable personal property, or categories of personal property, like jewelry, money and securities. You can increase the coverage limits for these and other possessions by selecting an Optional Coverage Endorsement to your Homeowners, Condominium, Mobilehome or Renters Insurance Policy.

Additional Living Expenses Coverage - We’ll pay the reasonable increase in living expenses necessary to maintain your normal standard of living when a direct physical loss we cover makes your residence premises uninhabitable for up to the amount of time specified in the policy. This may include payments for the additional costs of a place to stay, food and other increased living expenses.

Replacement Cost Coverage - In the event of a covered loss, you may be reimbursed for the cost you incur to replace many of your damaged contents with similar property, brand new. The total amount you'd be reimbursed is subject to the terms and conditions of your particular policy, including applicable deductible and coverage limits.

Scheduled Personal Property - Scheduled Personal Property (SPP) is a convenient way to help protect your valuable personal property.  A certain amount of personal property protection is available under your Homeowners, Condominium, Mobilehome or Renters Insurance Policy, but did you know your personal property protection has limits under these policies? Scheduled Personal Property is an endorsement to your Homeowners, Condominium, Mobilehome or Renters Insurance Policy. For an additional premium, SPP provides coverage for loss or damage to certain categories of personal and business personal property items whose value or risk potential exceeds the personal property coverage available under Homeowners, Condominium, Mobilehome or Renters Insurance, or under other Optional Coverage Endorsements.

Flood Insurance - Did you know everyone lives in a flood zone?  You don’t need to live near water to be flooded.  Approximately 25% of flood losses occur in low to moderate risk areas.  Would your home or business be protected in the event of a flood? A flood can be defined as a general and temporary condition during which two or more acres of normally dry land area, or two or more properties, are partially or completely inundated.