For most of us, our cars are one of the biggest investments we make and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle. Depending on the coverage you choose, your insurance can:
- Cover medical expenses associated with an accident
- Pay for losses caused by underinsured or uninsured drivers
- Reimburse you for damages suffered because of vandalism, natural disasters or theft
- Pay for legal representation in case of a lawsuit
Your house is more than four walls and a roof. It can provide you with financial security. And, it’s probably your biggest investment. Inside those walls are possessions and valuables that make your house a home—and those items need protection as well.
- Sudden and accidental damage from electrical current
- Fire and lightning
- Windstorms and hail
- Explosions Smoke damage
- Glass breakage
- Falling objects
- Weight of ice, snow or sleet
- Accidental discharge of water or steam
- Vandalism and malicious mischief
One policy provides both property and liability coverage for dwellings not eligible for a homeowners policy. All coverage options track with the homeowners policy, making it easier to use individually or in combination with homeowners coverage.
If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. They both cover losses to your personal property.
Vacation homes require a special type of insurance–one that protects your vacation home but doesn’t overlap with your already existing homeowners insurance coverage. Most homeowners insurance policies provide limited coverage for personal property at an additional residence. However, if your coverage needs for your vacation home exceed this amount, you’re going to want to fill this gap by purchasing a policy that will cover your vacation home in its entirety. One way to do this is to purchase a dwelling fire policy, which is specially designed for a second home in that it provides coverage for the dwelling itself, along with your personal property. In addition to protecting your home and its contents, we also offer several discount programs to those that qualify.
Umbrella liability coverage protects you from financial catastrophe due to lawsuits. It offers additional protection above and beyond your standard homeowners and auto policy limits and helps eliminate any gaps in your coverage. This type of policy can help ensure you are safeguarding your possessions, savings, and your future earnings.
Just like personal auto insurance, motorcycle insurance offers similar property and liability coverages.
Watercraft insurance policies provide coverage for physical damage caused by a collision, fire, theft, windstorm, lightning, vandalism, and others. This coverage is broad and often includes machinery and auxiliary equipment, outboard motors, boat trailers and other personal property. Additional coverages are available as well, such as Personal Effects, Boat Liability, Medical Payments and Commercial Towing and Assistance.
There are many ways to protect your financial security and hard-earned savings from the rising costs of long-term care, but not all of them involve buying an insurance policy. We offer insurance and planning alternatives to fit your needs and lifestyle.
For most people their income makes all other things possible like homes, cars, and boats. If their income is lost, they could also lose a lot of those possessions. That’s why disability income should be the first coverage you obtain. Sadly, it is often overlooked and in recent years it has become more difficult to obtain this type of coverage. Kasprzak Insurance Agency has access to several quality companies offering disability income plans that can fit your particular needs.