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What's covered; What's not
Most homeowners insurance policies will cover damage caused by such perils as fire, windstorms, hail, lightning, theft or vandalism. There are other homeowners policies that cover additional perils as well. Typically, floods and earthquakes are excluded. Let us provide clarification on what your policy may and may not cover.
What most standard homeowners policies provide
Dwelling coverage: Pays to repair or rebuild your home - including electrical wiring, plumbing, and heating and air conditioning - if damaged by a covered cause of loss. It's important to buy enough dwelling coverage to cover the cost to rebuild.
Other structures coverag:. Pays for damages to detached structures like garages, sheds, fences and cottages on your property.
Personal property coverage: Reimburses you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics.
Loss of use coverage: Pays your additional housing and living expenses if you must move out of your home temporarily while it's being restored.
Liability insurance: Helps protect your assets and cover your defense costs in the event of a lawsuit because you or your family members are responsible for causing injuries or damage to other people or their property.
Additional home coverages: There are a number of additional coverages you can add on to your homeowners policy to help you meet your insurance needs. Ask us for details.
Get the auto insurance that will help protect you!
When you're shopping for auto insurance, you want to be adequately covered in case of an accident. After all, you're protecting your life and your investment, as well as the lives of those around you. So, here's a quick summary that outlines the basics of auto coverage :
Liability coverage is the most important coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over. This coverage is generally required if your car is financed or leased.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.
Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.
Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
In addition to these basic coverages, you can choose from a host of optional coverage’s to create a customized auto policy that meets your individual needs.
Gap insurance – or loan/lease insurance – can protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
New Vehicle Replacement
Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.
Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.
Be confident in your insurance choices. Contact CAP III Insurance Group today. We'll work with you to develop an auto insurance policy that fits your needs.
What is 'Life Insurance'?
Life insurance is a protection against the loss of income that would result if the insured passed away. The Beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
BREAKING DOWN 'Life Insurance'
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.
There are many different types of Life Insurance to consider. Contact CAP III Insurance Group today to discuss your many options.
Umbrella insurance gives an extra layer of liability coverage.
Whether it's a serious auto accident involving pricey medical bills or an incident on your property, you can quickly find yourself responsible for damages that exceed the limits on your Auto, Home, Boat or Motorcycle policies.
Umbrella insurance can provide:
An extra $1M to $10M of liability coverage which can help protect assets like your home, auto, boat, wages, and investments such as your retirement.
Coverage for claims like libel, slander, defamation of character and invasion of privacy
helps cover defense costs, attorney fees and other charges associated with lawsuits.
Coverage that goes above and beyond—without the huge price tag.
Umbrella insurance is much more affordable than you may think. And in today's world, anyone can get hit with a lawsuit. That's why it's more important than ever to consider an added layer of protection for your assets-and your peace of mind.
Small business insurance made simple.
We know choosing the right insurance for your business is an important decision.
Whether you're a store owner, office professional or wholesaler, our flexible, streamlined small business insurance coverages are designed to protect you against the unique risks and exposures you face - so you can tend to your business and rest assured that it is protected in every imaginable way.
Business owner's policy for small businesses.
A Business Owner's Policy (BOP) is recommended for most small businesses, as it is often the most affordable way to obtain broad coverage. Combining both property and liability insurance, a BOP will cover your business in the event of such things as property damage, suspended operations, or lawsuits resulting from bodily injury or property damage to others.
Business personal property
Building coverage (optional for some businesses)
Business income and extra expense (optional for some businesses)
Equipment breakdown coverage
Small business insurance-specific coverage options are also available, such as:
Increased fine arts coverage
Medical and dental office endorsement
Eating establishment endorsement
Bailees customers goods coverage