Coon Rapids, MN Insurance Agents, Pinnacle Insurance Agency, Minnesota, instant homeowners insurance.#Instant

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MN Insurance Agents Pinnacle Insurance Agency of Minnesota

Taking measures to protect your house and vehicle is an important part of maintaining peace of mind when you are on the road or have invited guests into your home. The challenge is finding the right policy to address your concerns and needs in Minnesota. In general, Pinnacle insurance agents can help you find the right protection for your situation and your goals.

Auto Coverage

Minnesota is a no-fault state, so the auto insurance that you are required to purchase will include liability protection, no-fault coverage and under-insured motorist plans. Additional auto insurance depends on your personal needs and goals, so Pinnacle insurance agents can help you find the right policy to address your concerns. An agent will explain the options so that you can finalize a plan that is appropriate for your situation and your goals.

Home Policies

A home insurance policy that can address your concerns will depend on the situation. For example, you may want to buy a basic plan or you may want to add protection for specific items that you keep in the house. As a general rule, home insurance should offer protection against common threats and liability concerns. Additional coverage may be necessary if you are concerned about flooding or similar risks, since some plans may not cover the risk of flooding or certain types of damage.

There are several policies that can protect your assets, so working with an agency can be an important part of avoiding any complications that may otherwise arise. To learn more about your options, contact us to talk to an agent today.

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Home – Tedford Insurance, homeowners insurance tulsa ok.#Homeowners #insurance #tulsa #ok

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Mike Tedford with Tedford Insurance Endorsed by Dave Ramsey

We are so excited to announce that Dave Ramsey has brought us on as an Endorsed Local Provider (ELP) Home Insurance and Auto Insurance for the Tulsa and surrounding areas.

  • Homeowners insurance tulsa ok

    Large Commercial Insurance

    Our Tedford Commercial Lines department is staffed with industry professionals who are passionate about your business. We are determined to surpass your expectations.

  • Homeowners insurance tulsa ok

    Small Business

    Our Tedford Small Business department has been designed to meet the needs of today’s small business owners.

  • Homeowners insurance tulsa ok

    Personal

    Our Personal Lines department is staffed with knowledgeable professionals dedicated to providing you with the care you deserve.

  • Homeowners insurance tulsa ok

    Employee Benefits

    We believe in partnerships at Tedford Insurance. Our goal is to “partner” with you in order that we may fully understand and adopt your philosophy as it pertains to benefits for your employees.

  • Homeowners insurance tulsa ok

    Surety Bonds

    The Tedford Surety & Bond Department has experienced professionals ready and willing to handle any bonding situation that your company encounters.

  • Homeowners insurance tulsa ok

    Convenience Stores

    Today’s convenience stores offer a wide range of choices – and as a business owner, you know that with those choices come a wide range of risks.

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    • Homeowners insurance tulsa ok
    • Homeowners insurance tulsa ok
    • Homeowners insurance tulsa ok
    • Homeowners insurance tulsa ok
    • Homeowners insurance tulsa ok
    • Homeowners insurance tulsa ok

    Welcome to Tedford Insurance

    At Tedford Insurance, our scope of expertise and access to insurance solutions means we meet our clients’ requirements while simplifying their coverage. We look forward to working with you to find the right solutions for your complete insurance needs.

    Homeowners insurance tulsa ok

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  • The 4 Best Ohio Homeowners Insurance Companies – The Simple Dollar #homeowners

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    The 4 Best Ohio Homeowners Insurance Companies

    Ohio residents don’t have to worry much about natural disasters, and homeowners insurance premiums in the state are low as a result. The average annual home insurance rate in Ohio is just over $721 — well below the national average of $1,034.

    That being said, rates fluctuate between cities and really depend on the condition of your home as well as the provider you choose.To make sure you’re receiving the right coverage at the best possible price, make sure to shop around contact several companies for quotes. We’ve highlighted our picks for the best providers of Ohio homeowners insurance to help you in your search, and have included a quote comparison tool below so you can easily get started.

    For more information regarding specific Ohio policies and plans, you should also visit the Ohio Department of Insurance’s Guide to Homeowners Insurance .

    Find the Best Home Insurance Rates

    Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

    Progressive

    Progressive has some of the lowest rates for homeowners insurance premiums in Ohio, along with solid coverage options. A standard policy pays up to the limits you outline for any covered damage made to your dwelling or personal property, protects you in case you are sued for liability, covers any medical expenses incurred, and covers any additional living expenses in the event that your home is unlivable after a loss.

    Progressive offers a large selection of optional add-on coverage, so you can tailor your policy to meet the needs of your home and budget. Their Guaranteed Replacement Cost coverage ensures comprehensive protection in case of a loss and their Inflation Guard Endorsement automatically adjusts your home insurance limits so they are at 80% or more of your home’s replacement cost. You can cover specific valuables that are not typically included in a standard policy with a personal property endorsement from Progressive, and you can hedge against identity theft and credit card fraud by increasing coverage for resulting expenses.

    Like most other providers, Progressive offers discount options for policy bundling and installing protective devices like burglar alarms. However, Progressive misses a few other common discounts, like those for new or recently renovated homes and for remaining claim-free. Although Progressive has low rates, you should consider looking elsewhere if you believe you would qualify for these price breaks, and compare final quotes before making your decision.

    Nationwide

    Nationwide is a popular homeowners insurance option in Ohio because the company offers consistently cheap and reliable coverage. A standard Nationwide homeowners insurance policy protects against most damage made to your dwelling or additional structures on your property, as well as to your personal belongings. Add-on coverage choices include Nationwide s unique Brand New Belongings option, which allows you to replace any damaged or destroyed items with brand-new versions at no additional cost to you.

    Nationwide offers an array of discounts you can save up to 30% based on the age of your home, 20% for bundling policies, 15% for installing protective devices, 15% for being over the age of 60, 5% for being married, and more. Nationwide also has an exclusive partnership with Plenti, a rewards program that lets you earn points by shopping at popular retailers.

    If you choose Nationwide as your Ohio homeowners insurance provider, make sure to take advantage of their free On Your Side review with an agent. You can learn how to manage your deductible, understand the specifics of your policy, and select the optimal level of coverage without over-insuring yourself or, more importantly, overpaying.

    Allstate

    Allstate has a wide range of coverage options, numerous discounts to make your policy more affordable, and exceptional online resources and tools. Regardless of the type of home you live in, be it a ranch, a condo, or even an older home, Allstate offers standard coverage options to protect your dwelling. Allstate also offers unique add-on coverage to protect and recover the things that matter most to you expensive sports equipment, business property, musical instruments, and even electronic data.

    Allstate offers numerous discounts ranging from those that are relatively standard, such as 30% for multi-policy bundling and 20% for going claims free, to those are more unusual, such as a 10% Welcome discount and 5% for setting up automatic payments. Where Allstate truly has an edge over its competitors, however, is in their online resources and tools. Allstate’s Premium Gauge tool, for example, allows you to see how various factors, like the age of their home or installing a protective device, would impact your premium rate. Their Digital Locker lets you keep a protected running inventory of all your items and their respective worth. You can access this locker from any synced device and use it to recover quickly and efficiently after a loss. Allstate offers educational articles, videos, and tips that can help you make important decisions as a homeowner.

    Cincinnati Insurance

    The Cincinnati Insurance Company was formed by four independent insurance agents in 1950, with a dedication to providing local, quality coverage to Ohio communities. Although the company has since expanded and now serves 39 states, the mission remains the same. Cincinnati offers a personalized homeowners insurance experience at an affordable price, is backed by an A++ (superior) financial stability score from A.M. Best, and is consistently well-rated for customer satisfaction by J.D. Power Associates.

    Cincinnati Insurance offers two types of standard homeowners policies Executive and Executive Classic. The Executive Policy covers your dwelling and other structures, personal property, legal liability, and provides additional living expenses if your home is unlivable after a loss. This policy is easily customizable with add-on coverage, like protection for your home business, to fit the needs of your home.

    The Executive Classic Policy covers high-value homes and provides the same benefits as the Executive Policy, but with a few added perks. The Executive Classic covers the cost of a professional survey of your home for reconstruction, the full cost of rebuilding your home with similar materials after a covered loss, as well as the full repair of your items and payment for purchasing item replacements.

    Although Cincinnati offers standard discounts like those for multiple policy bundling, new homes, claims-free history, and home alarm installation, the company nonetheless has fewer discount options than some of its larger competitors. Strong financial ratings, high-quality customer service, and affordable prices, however, make Cincinnati a solid option for your Ohio homeowners insurance policy.

    Find the Best Home Insurance Rates





    Homeowners Insurance NY #homeowners #insurance #new #york

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    Rates For Homeowners Insurance NY Residents Pay Can Be Reasonable

    The Empire State of New York is one of the most populous states in the Union and have a wide-ranging variety of family abodes, from condos to apartments to large single family homes with many located in highly dense urban areas and others located in sparsely populated locations. The variety of homes makes the Empire State one of the most stable states in which to buy homeowners insurance.

    The average rate for homeowners insurance NY residents pay is about $760 per year, according to the National Association of Insurance Commissioners. But some residents pay a much higher rate depending on their location. While there are many inland areas and urban centers in New York, the wide variety of housing types means there are many types of homeowners insurance NY residents can purchase.

    A home located near the Atlantic Ocean but outside of the traditionally large urban centers of New York City, Manhattan and other densely populated areas could be more at risk for criminal activity, civil commotion or other perils generally covered in homeowners, condo insurance and renters insurance policies. But some also might be more vulnerable to flooding and other mishaps, depending on their location.

    Because New York was among the first urban areas developed in the United States, many homes, condominiums and apartments might have much older wiring, plumbing, outdated security systems and other issues that could result in a greater susceptibility to loss from many perils. That means there could be a higher rate to insure such homes than in more rural areas.

    But many of the rural areas of New York, such as the Finger Lakes region, might have a greater susceptibility to winter storms, flash flooding and other perils generally not encountered along the more temperate Atlantic coast near New York City and other eastern parts of the state. Buffalo has a densely populated urban center, but it also is located along Lake Erie and gets a great deal of lake-effect snowfall, which can lead to blizzards, heavy snowfall and flooding during the spring thaws each year.

    So there are many perils that are unique to different parts of the state. Fortunately, because those perils are more localized, it is easier for homeowners insurance companies to spread out the risk with their rates across other areas where there is a lower likelihood. That means a home in a blizzard-prone area won’t have to pay as much for coverage for the weight of snow, ice and sleet as in a state where the danger is much more widespread.

    Likewise, homeowners and renters in the densely urban centers in and near New York City don’t have to pay quite as much as might be the case in other urban areas for rates tied to crime, vandalism and other costs that could result in losses that would need to be covered by homeowners insurance NY firms have underwritten. Shopping for the best rates can result in significant savings due to the many insurers underwriting coverage for the millions of households in the Empire State, where risks can be mitigated.





    Progressive Reviews #progressive #homeowners #insurance #review

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    Progressive Reviews

    Most Liked Positive Review

    progressive is my pick

    you never really know how good (or how bad) your insurance is until you need it. you know what they CLAIM to be, but not what they really are. i have been. Read complete review

    you never really know how good (or how bad) your insurance is until you need it. you know what they CLAIM to be, but not what they really are. i have been a customer of progressive insurance for about four years and have not needed to file a claim. i was always pleased with them because they save me about three hundred dollars a year from my previous insurance company, but then came the true test of how good the company comes through when you need them. i was driving down the road and a deer jumped on top of my car. yes, that is what i said. it jumped ON TOP of my car. after calling progressive about my unusual claim, they brought a rental car to my house that same day. my car was totaled. what came next was what i expected to be a long drawn out process of collecting on my car. progressive called me on the third day after my wreck and told me they had a check for me for the total payment for my car. i was shocked and progressive has a lifelong customer.

    Most Liked Negative Review

    nasty rude personal.

    i have never used this company for insurance but have had to deal with them over an accident caused by one of their clients.

    a young man insured by progressive fell. Read complete review

    i have never used this company for insurance but have had to deal with them over an accident caused by one of their clients.

    a young man insured by progressive fell asleep at the wheel, ran off the road, hitting several things in our yard including our boat.

    when we contacted progressive they sent out an appraiser 5 days later (he brought his wife and child with him as he was on his way to the lake and just stopped by to do a quick write up!!)

    He gave an outrageously LOW appraisal for the repair of our boat hull and motor. insisting on us using used parts for the repair of the motor that he could get from a buddy of his

    on our own we got 3 different appraisals and no one would repair the boat without sending it back to the factory to repair the hull (for liability reasons they said). progressive refused to approve this and offered $2500 for a settlement.

    after we refused this it took several weeks to get the agent handling our claim back on the phone. she was extremely rude and informed us she would not sign off on our claim until after her vacation. (which ended up being 2 weeks)

    it took 4 months and a letter from our lawyer to settle the claim

    never will i use or recommend this company to anyone. not even my worst enemy.

    Comments about Progressive :

    i have been with progressive for 10 years.Full coverage, my son wrecked my jeep and it was totaled out. progressive offered me a payout that was not even close to market value.I cannot find a jeep across the united states that i can buy for the price they are offering, I can prove this to them. but they cannot prove the price they are giving me is market value. scam insurance company. do not go with them. 10 years i paid them clean record and they cannot replace my vehicle with fair market value. progressive sucks.

    Bottom Line No, I would not recommend this to a friend

    ( 0 of 1 customers found this review helpful)

    Comments about Progressive :

    Stay away from this company, they are not fair and do not have your best interest when you need them.

    Our new car recently got rear-ended and is now totaled. Progressive is coming back with a value for our car that’s $3,000 below what Kelly Blue book recommend as the retail value of our car. They have their own system of calculating the value of the car. The way that they do this is by pulling 4 listed retail value of the car and then subtracted milage and a projected sold adjustment amount (haggle amount from negotiation to deduct, not sure how they come up with this value) from the listed retail value. The four car that they provided, one was high, one was middle, and two was way below value. When I try to call the dealerships to confirm these car, three out of the four were not in their inventory and if they were, they were sold long before our accident. I’m not sure how to handle this right now, we need a new car but I hate to give in and let them cheat us.

    This has been a terrible experience. We expect to negotiate with the other driver insurance for a fair price on our car because he was at fault. I did not think I would have to deal with my own insurance company that’s supposed to have our best interest.

    We are definitely never going to use progress again for our house or car. If anything should happen to our house, I have already got a taste of how they will treat us.

    • Affiliation:
    • I received a sample

    from Santa Rosa, Ca

    Comments about Progressive :

    On my scooter on the way to my class I was struck by a speeding/going at a high speed driver while changing lanes to go around a bus who had been behind me in the original lane and who had been behind me not going when I had exited. She would later change her story when speaking to my agent after failing to get me to pay her outside of the insurance. There was a ‘witness’ on scene who would give a statement to my agent saying he did not see my get hit but he saw the woman who hit me get out of her car to yell at me while I was still pinned under my cycle, so I had to be at fault. On scene he convinced me to go to the hospital and that the police weren’t necessary, just take photos. Called my agent and he spoke to me as if I was guilty of something and I needed to confess, I told my story and would from then on send him photos that I took at the scene and photos of my injuries.
    After a month of him never answering my calls or emails in a timely fashion or addressing any questions of mine like did he call the bus agency to get a copy of its camera footage that we were in the scope of, or could I be given an agent in my town, he left me a voicemail saying something to the point of ‘there has been a decision in your claim.’ This decision was that I was 100% at fault without consideration of any physical evidence but only on the testimony of those other two. To completely dismiss me he eventually said the choice line of: Think about this for second: if you had not been there would there have been an accident?
    I had a panic attack, and a few days later I contacted him to appeal this, and he blocked completely because he had already made his decision.

    Bottom Line No, I would not recommend this to a friend

    ( 3 of 5 customers found this review helpful)





    Compare the Best Home Insurance – Reviews, Rates – Ratings #home, #home

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    Compare the Best Home Insurance

    Reflects Credio s analysis of each company s policy rate offerings across several of the states in which it operates, and across a variety of demographics. A high (green) rating indicates that the company s rates are relatively lower than its competitors .

    Show the top Home Insurance Companies with the highest Affordability Rating

    An HO-2 only covers named risks; though the list tends to be quite long. It does not cover damage from accidental losses. Since typical accidental losses are likely to be relatively small compared to the total value of a home, it might be best to accept the risk and purchase an HO-2 policy. Note that not many companies offer this policy at the present, as HO-3s are far more popular.

    By far the most common policy, it covers a vast array of risks, including fire, wind, theft and vandalism, freezing, and accidental damage. Most companies exclude the following from HO-3s: floods, sewer backups, earthquakes, termites, pets, mold, rot, and explosions. This policy also covers personal property, but only for named perils, and covers the personal property for replacement cost after adjustment for depreciation, not the full replacement cost.

    It is the same as an HO-3 policy, except that it includes replacement cost coverage for personal property and insures personal property against all perils except specifically excluded perils.

    An HO-8 policy typically pays only for damages up to the actual cash value of what is lost, versus allowing the owner to insure for full replacement cost. HO-8 policies are most appropriate for those with older homes, and are intended to consider that older homes often have ornate woodwork and other features that are very expensive to replace. Replacing such features may cost more than the home is actually worth, and HO-8 policies will repair or replace what is damaged.

    Insurance for tenants who are renting.

    Reflects a company s national complaint ratio, as determined by the National Association of Insurance Commissioners (NAIC). A high (green) rating means fewer complaints made against a company. Each year, the NAIC tallies up all the complaints that have been made by customers against a company to their respective state insurance departments. The ratio is then calculated by dividing the number of complaints by the amount of gross premiums written (in millions of dollars) by the company that year.

    Best Home Insurance Companies Sorted by Customer Complaint Rating (out of 5)

    What to Watch for in Home Insurance

    Ratings
    Don’t automatically select one of the most popular or well-known companies. As the comparison shows, the companies with the largest NAIC Market Shares are not necessarily the top-rated options. Bigger does not always mean better.

    Premiums
    Although sample premiums are used to make general comparisons across home insurance companies, don’t base your personal decision exclusively on the sample premiums. Premiums vary tremendously by location, age of the house, construction type, etc. Contact different companies to receive personalized quotes before making your final decision.

    Complaint Ratios
    Avoid companies with high complaint ratios, as this may indicate poor customer service. Each state’s Department of Insurance provides consumers with complaint ratio data for all of the home insurance companies in their state. Before deciding on an insurance company, make sure that it has a low complaint ratio.

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    Add a home insurance company to your list

    Select the “Add to Compare” link located below the tile of any listing to add an item to your list.

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    Home Insurance #homeowners #insurance #phoenix

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    Main Navigation

    Protect your home with homeowners insurance

    Home. It’s your safe haven. It’s where you raise your family and create memories that last a lifetime. Whether you’re buying insurance for your first home, or the high-value home of your dreams, Travelers can help you protect this prized possession with homeowners insurance that fits your priorities and your budget.

    Get comprehensive coverage with Travelers homeowners insurance

    Travelers policies can provide coverage for:

    • Damage to your home’s physical structure (Dwelling coverage)
    • Damage to other structures like a garage or shed (Other Structures coverage)
    • Your personal belongings – whether in your home or elsewhere (Personal Property coverage)
    • Additional living expenses if necessary in the event of a covered loss (Loss of Use coverage)
    • Your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage)
    • Extra coverage for valuable items

    Travelers offers you way to save and protect your home

    Travelers offers many ways to save on your homeowners insurance, one being a discount if you buy other Travelers policies, such as auto insurance. personal liability umbrella insurance and more.

    We also can provide home maintenance tips which can help decrease your chances of having a loss in the first place.

    Travelers will be there when you need us

    In the event of a loss, we know you want it resolved quickly. With Travelers, you get:

    • Fast, efficient claim service and 24/7 claim reporting
    • More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims
    • Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss
    • Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster

    We’ve been providing trusted service for more than a hundred years, and we’ll be there for you.

    Be confident in your insurance choices. Contact your agent or Travelers representative today. We’ll work with you to develop a homeowners insurance policy that fits your needs and your budget.

    If you live in Alabama, we encourage you to review the Alabama Policyholder Bill of Rights .

    * Based on Travelers claim survey results from April 2010 – April 2011.

    The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.

    Insurance is underwritten by The Travelers Indemnity Company and its property casualty affiliates, One Tower Square, Hartford, CT. For a complete list of personal insurance underwriting companies, click here.

    Related Links:

    We’ll be there when you need us





    Insurance Plus ® Auto, Home ?>

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    Insurance Plus. Texas Auto Homeowners and Commercial insurance

    Auto Insurance in Texas

    In Texas, the minimum Auto Liability Insurance Requirements are 30,000 Per accident for bodily injury per person, 60,000 liability per accident aggregate for bodily injury, 25,000 Property damage per covered auto accident. This provides a total of up to 85,000 for each accident.

    In order to meet state financial responsibility requirements you must have at least the above policy limits on your Auto Insurance in Texas. Your policy must be issued by an insurer authorized to do business within the state. Although 85 K is the state s minimum requirements, higher limits are available from most insurers if desired.

    Homeowners Insurance in Texas

    Texas Home owners Insurance – Dwelling Coverage

    Coverage is available for most Texas Home Insurance and other Property Risks at this time. Forms HOA, HOB, HO2, HOC, DP1, Fire. Low Cost Texas Home Insurance in Dallas Fort Worth and Texas Wide.

    Homeowners Quotes are available with Credit Score or Non Scored factoring here at Insurance Plus. Good or bad credit is not an issue with our new no credit check HOA / HO1 policy. Coverage can be effective same day or following day. Coverage can not start before we have received your completed application. For your convenience, a Home Owners Insurance application is on the forms page of the website. The application may be printed or submitted over the web.

    If your homes electrical wiring, plumbing, HVAC and roof have all been updated in the last 20 years, then you can get a discount rated policy by using the first remodeling date as the age of the home to receive up to a 10% credit.

    We have coverage available for all Texas Protection Class codes

    Home owners living on 1 or more acres, with or without hobby animals, now qualify for our homeowners program, No need for a Farm and Ranch type policy if AG sales are less than $5000 yearly you can still go in our residential programs. It s a great time to shop for new home insurance in Texas.

    Landlords Insurance

    Residential Rental Property Coverage For Let properties and stand alone landlords insurance risks can be covered on DP1 and DP2. For Texas Commercial Property lines see the Commercial lines page of the website.

    Insurance for Apartment Buildings

    F or clients that operate Apartment Houses with between 10 and 50 units, this Landlords Insurance program is a package or BOP type policy covering Basic, Broad or Special perils and with values of $25 thousand to $2.5 Million per location in all Texas counties except tier 1.

    We provide Building, Contents, Rents, Liability and Crime as well as the tenants contents extension clause. Risks do not need to be loss free.

    Rates are very competitive with other underwriters of this Texas business trade group.

    Truckers OTR Liability Insurance




    Bell Black Insurance – Your Idaho Auto, Home, Business, Life & Health

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    Welcome to the official website of Bell Black Insurance. Bell Black Insurance proudly provides the most comprehensive and cost-saving insurance solutions in Idaho!

    Located in Rexburg Idaho, Bell Black Insurance is the premier local insurance agency. Dedicated to serving the diverse insurance needs of Idaho area individuals, families and businesses, Bell Black insurance specialists have the expertise and industry skills to anticipate all of your insurance needs. Trusted by many, Bell Black Insurance provides each client with impeccable service and an individualized commitment to success.

    Bell Black Insurance represents an extensive segment of nationwide insurance carriers. This enables us to effectively compare rates and coverages, and ensuring each of our clients receive the quality protection they deserve. It also allows Bell Black Insurance to custom tailor the perfect Idaho insurance solution for you — no matter where you are located across the state. So, whether you’re looking for insurance solutions in Boise, Rexburg, or anywhere within Idaho, Bell Black Insurance will have you covered! Give Bell Black Insurance a call today to learn more about their broad array of insurance products and solutions available through their network of carriers.

    Perhaps you’re in need of reliable Idaho Auto Insurance or an Idaho Home Insurance policy, or maybe you’re in the need of an innovative Idaho Business Insurance solution and policy. Bell Black Insurance will make your coverage needs a top priority! And, Bell Black Insurance won’t stop there! Through Bell Black Insurance you’ll also find a number coverage options available to help you insure all of your unique Idaho Personal, Business, Life and Health Insurance needs – and all while saving you money.

    Bell Black Insurance specialists take the time to accurately review your insurance needs so your biggest assets are protected at the most competitive rates, and are more than happy to guarantee our inclusive solutions are capable of giving you the peace of mind you’ve been looking for.

    Remember, no matter where you are located across the state, we’re here for you! Let us help you create a custom-tailored policy specifically for you, your family or your business! Call Bell Black Insurance to speak with an experienced agent, and discover your coverage options and receive your free Idaho insurance quotes today!

    Use these practices to produce smoother growth for small businesses. When you first started your Read More

    Instead of hitting the caffeine to wake you up midday, opt for natural remedies that are free from Read More





    Homeowners – Insurance: Got Enough Coverage? #replacement #coverage #on #homeowners #insurance

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    Homeowners Insurance: Got Enough Coverage?

    Many homeowners are shocked, after major damage, to find that their insurance policy doesn’t pay for all or even most of their loss — or in the worst case, that the type of damage they suffered falls under an exclusion to their coverage. To prevent this from happening to you, review your homeowners’ insurance policy and check that the types of losses covered and the amounts of coverage meet your needs.

    A standard homeowners’ insurance policy includes:

    • Hazard insurance. This covers physical damage or loss involving your property and possessions (as required by mortgage lenders).
    • Liability insurance. This covers injuries either to people on your property or caused by members of your household (including pets), whether or not they were on your property at the time (excluding car accidents).

    Review the details and amounts of both hazard and liability coverage in your homeowners’ insurance policy using the guidance below. Then, make any necessary adjustments by contacting your insurance representative or shopping around for a better or cheaper deal. (For an overview of homeowners’ insurance, see Nolo’s article Homeowners’ Insurance: What You Need to Know .)

    Hazard Insurance

    The list of damage and disasters commonly covered by hazard insurance is surprisingly long: physical damage to your property and its contents caused by fire and smoke, wind, hail, lightning, explosions, volcanoes, riots and vandalism, theft, water damage, and similar events.

    Nevertheless, that list doesn’t cover everything that could happen to your home or involving its inhabitants. Check the boilerplate section of your policy called “exclusions.” Flooding and earthquakes are commonly excluded from coverage even though many homeowners assume otherwise. It’s also typical for policies to exclude damage caused by mudslides, police activity, power outages, sewer backups, dry rot, or vermin, among other things.

    If Necessary, Add Coverage

    Insurance companies often don’t want to include coverage for high-risk, high-expense types of damage as part of their standard policy. However, you may be able to buy extra coverage from your insurance company or from another source (as is common with flood and earthquake insurance). The key is to buy added coverage for hazards that can cause huge damage (like sewer backups) or that are big risks in the area where you live like earthquakes in parts of California, hurricanes along the Gulf Coast and Eastern Seaboard, or sinkholes in parts of Florida.

    How Much Money Will You Get to Rebuild With?

    Let’s take the most unlikely (but scary) scenario: A fire or other hazard destroys your house or makes it unlivable. You might expect your insurance company to pay for it to be rebuilt, or restored to just what it was before, but what will actually happen depends on the terms of your policy.

    The norm: replacement cost coverage. If your house is destroyed, the amount you receive to rebuild under a standard policy with “replacement cost” coverage will be a set dollar figure, which you’ll see in the policy. That figure was calculated in advance, using the information you provided to the insurance company about the house’s size, location, number and type of rooms, building materials, amenities, and more, when you first got the policy.

    However, when disaster strikes, this figure could be way off the mark, particularly if building costs have gone up, a widespread natural disaster increases demand for contractors, you have remodeled and not updated your insurance, or your house has historical features that will be hard to recreate.

    The ideal: guaranteed replacement coverage. If you look very hard (and pay more), you may just find a policy that guarantees payment of 100% of your repair or rebuilding costs, without limits. This rare and wonderful creature is called a “guaranteed replacement cost” policy. If your house has historical features that are hard to reproduce, finding such a policy will be especially difficult.

    To be avoided: actual cash value coverage. If your insurance policy pays the “actual cash value” of your house, you should start looking for new coverage. Cash value policies are sometimes pushed on people with older houses or ones with an inadequate water supply (a fire danger). You’ll get the house’s replacement cost minus any depreciation or wear and tear that it’s suffered since being built — for example, they might deduct for a roof that needed to be replaced — which means you are almost guaranteed not to have enough with which to rebuild.

    Check Coverage for Living Costs and Personal Possessions Coverage

    In addition to checking your policy for how much you’ll get to rebuild your home with, check the fine print for these items:

    • Living costs while your home is being rebuilt. This is called a “loss of use” provision and often includes hotel bills and restaurant meals for a certain period of time. One year is a standard provision, but if you can get coverage for two, that would be better. Some policies place a dollar limit (instead of a time limit) on your living expenses, often 20% of the total insurance on your house.
    • Replacement costs for personal possessions. Much like the different amounts of money you can get for the house itself, there are different levels of coverage for the stuff inside. Some policies offer “replacement value,” meaning the actual cost of buying a new item. Others offer “actual cash value,” which is the amount you could get by selling your possessions after taking depreciation into account (think “how much can I get for it on eBay?”).
    • Coverage for expensive items. Your policy will probably apply separate limits (usually between $1,000 and $2,000) for big-ticket items such as jewelry, cameras, sports equipment, musical instruments, electronics, furs, firearms, coins, or silver that are damaged or stolen. If you want more coverage, pay for endorsements insuring each big-ticket item for its appraised value. These extra endorsements will also cover your items in the case of “accidental disappearance” (insurance-ese for “you lost track of it”).

    Liability Insurance

    Liability insurance compensates for two things:

    • Medical payments to others. This pays the medical bills of people from outside your household who are accidentally injured while on your property or by you or a household member, including a pet, whether on your property or elsewhere.
    • Personal liability. If you’re sued, this covers both your legal fees and any amounts a court orders you to pay to someone who was injured or whose property was damaged by someone in your household (human or animal). (For more information on your liability for injuries caused by your pets, see Nolo’s article Dog Bites: When Is an Owner Liable? )

    Standard homeowners’ policies traditionally provide around $100,000 in liability coverage. You can easily imagine how someone’s medical bills could top that amount, and if you’re sued you could end up paying even more. Rather than putting your house at risk of being sold to pay a court judgment. make sure your liability coverage is at a realistic level — between $500,000 and $1 million.

    Check Your Deductible

    A deductible is the amount you must pay after a loss before your insurance company steps in. Most homeowners agree to a $500 deductible (for the hazard portion; liability insurance doesn’t normally carry a deductible).

    However, raising your deductible can be a great financial move. It not only allows you to significantly reduce your premium costs, but also prevents you from being too quick to call your insurer for coverage. The more claims you make, the more likely the insurer is to raise your premiums or cancel your policy.

    To learn more about buying and insuring a home, see Nolo’s Essential Guide to Buying Your First Home . by Alayna Schroeder, Ilona Bray, and Marcia Stewart.

    Talk to a Real Estate attorney.





    Auto Insurance Fullerton 714 526 5588 Car Insurance Fullerton #auto #insurance #fullerton,

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    Williams Insurance
    (714) 526-5588

    THERE IS NO SUBSTITUTE FOR EXPERIENCE

    Williams Insurance has been a Family-owned and operated independent agency serving the Southern California community for over 70 years. Our knowledgeable, experienced and independent agents will find you premier coverage for the lowest price. We can help with any of your insurance needs, providing, personal, and commercial, life and health policies. In just a few minutes, our agents will determine your true coverage needs, knowing that the cheapest insurance is not necessarily the right insurance.

    THE PERSONAL TOUCH

    We do not use voice mail; clients who phone Williams Insurance are greeted by a live person. Customers are directed to their own individual agent who is familiar with their insurance needs.

    SERVING ALL OF ORANGE COUNTY

    Williams Insurance is located in Fullerton and has been serving the communities of Fullerton, Brea, Anaheim, Placentia, Yorba Linda, Buena Park, La Habra, Orange, Tustin, Santa Ana, Irvine, Costa Mesa, Huntington Beach, Newport Beach and all of Orange County since 1941.

    Over the years, we have supported dozens of local charities and community activities, understanding that it is the people of Orange County that make this place great. Our mission is to continue to grow the trust these communities have placed in us, while providing excellent customer service.





    Homeowners Insurance Claims – State Farm #homeowners #insurance #claims,homeowners #claims,home #insurance #claims

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    Homeowners Insurance Claims

    Important First Steps

    • Take reasonable steps to prevent potential safety risks and/or further damage.
    • If the loss is caused by theft, notify the police.
    • Notify banks and credit card companies about any missing debit or credit cards.
    • Keep accurate records of what you spend repairing things.
    • Separate items that may be cleaned and/or repaired.
    • Check with your claim representative before you discard any items you plan to claim as damaged.
    • Review your policy for specific coverage information.

    If Anyone is Injured

    • Report it immediately to your agent.
    • Obtain names and addresses of any witnesses.
    • Don’t make voluntary payments, obligations, or expenses outside of emergency first aid.

    When Someone Files a Claim Against You

    • Report your claim and State Farm will conduct an investigation to assess the allegations.
    • State Farm will pay any claims you are legally liable for, subject to the terms and conditions of your policy.

    Settling a Claim

    • We’ll pay to repair or replace your damaged property, subject to the terms and conditions of your policy.
    • If applicable, check with your mortgage company about how they handle claim payment.
    • Check with your State Farm agent or claim representative with questions.

    This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.





    Dog Homeowners Liability Insurance #dog #liability #insurance, #dog #homeowners #insurance

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    Dog Liability Insurance

    Contact Us Now For A Free Dog Liability Insurance Quote

    You don’t have to move! You don’t have to give up your beloved family member!

    Einhorn Insurance is proud to offer dog liability insurance to responsible owners of “dangerous” breeds (as labeled by most insurance companies). Einhorn Insurance does NOT agree with the way most insurance companies stereotype strictly by a dog’s breed. We look at each dog individually and do not judge based on breed.

    As proud Pit Bull owners and advocates, we are especially sensitive to this issue. We couldn’t imagine being discriminated against because our Pit Bulls are considered to be “dangerous” by most insurance carriers (even though they have never bit a person or animal). Einhorn Insurance offers pit bull friendly insurance and insurance for ALL dog breeds.

    Many people call us because they are having difficulties finding a place to rent with their dogs. For helpful tips on renting with a Pit Bull or any other dog, please visit our guide: Renting with Dogs

    Find Out More About Dog Liability Insurance:

    We can even help you with a policy if your dog has been deemed:

  • dangerous
  • vicious
  • potentially dangerous
  • potentially vicious
  • a public nuisance
  • We know as well as you do, it’s not the dog, it’s the owner. Our policies even provide insurance coverage for your dog(s) when you are away from home. So, you can be at the dog park and you’re still covered!

    Please click here to GET A QUOTE or complete the form at the bottom of this page so we can help you with dog liability insurance or insurance for your dog.

    While most insurance companies won’t provide you with canine liability insurance if you own a dog on the “blacklisted” breed list, Einhorn Insurance can.

    According to most insurance companies, the following are the more common “Dangerous Breeds” or “Blacklisted Breeds” :

    • Pit Bulls Staffordshire Terriers
    • Doberman Pinschers
    • Rottweilers
    • Chows
    • Great Danes
    • Presa Canarios
    • Akitas
    • Alaskan Malamutes
    • German Shepherds
    • Siberian Huskies
    • Wolf-hybrids
    • Or a mix of any of the above

    If you’ve been insured with the same insurance company for years, don’t assume your policy includes coverage for your dog(s). Insurance companies regularly modify what their policy will cover (and what it won’t cover). Your company may not know you have a “dangerous” dog. If they find out, your policy may immediately cancel or be non-renewed.

    Keep in mind, not all dog claims are due to dog aggression or dog bites. Let’s say you have a SUPER FRIENDLY Pit Bull with a very wiggly butt and they greet your neighbor with a jump. Your neighbor falls and hits their head on a curb; this is a potential dog claim. This exact scenario happened to one of our clients; the injured person had around $40,000 in medical expenses.

    Would you be able to pay $40,000 out of pocket just because your dog jumped on someone to say “hello?”

    As dog lovers, Einhorn Insurance has worked with Pit Bull Rescues for 10 years. We are currently involved with 50+ dog rescues/non-profit 501(c)3 organizations and donate to them monthly. Most of these rescues are focused on the “dangerous” breeds: Pit Bulls, Staffordshire Terriers, German Shepherds, Dobermans and Rottweilers.

    Einhorn Insurance has access to a very exclusive and elite policy for dog rescues that work with ALL BREEDS. YES, this even includes Pit Bull Rescues. As long as you are a 501(c)3 or have already submitted your application for your 501(c)3 filing, we can help you with a policy for your dog rescue organization.

    Our General Liability policy offers coverage for:

    • Dog Bites or Damage Caused by Rescue Dogs
    • Foster Homes
    • Care, Custody and Control
    • Professional Liability
    • Non-Owned Autos and Hired Autos
    • Additional Insureds

    Einhorn Insurance encourages landlords to rent to RESPONSIBLE dog owners. They make great tenants and are usually very appreciative for the opportunity. Additionally, they tend to stay longer and are willing to pay a higher rent to keep their family together.

    We personally own income property and all of our tenants own Pit Bulls. As landlords, we require our tenants have coverage for their dogs and list us as an Additional Insured on their dog liability policy.

    For more information regarding insurance for your dog, insurance for your rescue or if you are a Landlord whose tenants have dogs, please hit the GET A QUOTE button.

    Our CBOs (Chief Barking Officers) are looking forward to helping you and your canine family members with dog liability insurance.





    Homeowners – Insurance: Got Enough Coverage? #homeowner\’s #insurance #quote

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    Homeowners Insurance: Got Enough Coverage?

    Many homeowners are shocked, after major damage, to find that their insurance policy doesn’t pay for all or even most of their loss — or in the worst case, that the type of damage they suffered falls under an exclusion to their coverage. To prevent this from happening to you, review your homeowners’ insurance policy and check that the types of losses covered and the amounts of coverage meet your needs.

    A standard homeowners’ insurance policy includes:

    • Hazard insurance. This covers physical damage or loss involving your property and possessions (as required by mortgage lenders).
    • Liability insurance. This covers injuries either to people on your property or caused by members of your household (including pets), whether or not they were on your property at the time (excluding car accidents).

    Review the details and amounts of both hazard and liability coverage in your homeowners’ insurance policy using the guidance below. Then, make any necessary adjustments by contacting your insurance representative or shopping around for a better or cheaper deal. (For an overview of homeowners’ insurance, see Nolo’s article Homeowners’ Insurance: What You Need to Know .)

    Hazard Insurance

    The list of damage and disasters commonly covered by hazard insurance is surprisingly long: physical damage to your property and its contents caused by fire and smoke, wind, hail, lightning, explosions, volcanoes, riots and vandalism, theft, water damage, and similar events.

    Nevertheless, that list doesn’t cover everything that could happen to your home or involving its inhabitants. Check the boilerplate section of your policy called “exclusions.” Flooding and earthquakes are commonly excluded from coverage even though many homeowners assume otherwise. It’s also typical for policies to exclude damage caused by mudslides, police activity, power outages, sewer backups, dry rot, or vermin, among other things.

    If Necessary, Add Coverage

    Insurance companies often don’t want to include coverage for high-risk, high-expense types of damage as part of their standard policy. However, you may be able to buy extra coverage from your insurance company or from another source (as is common with flood and earthquake insurance). The key is to buy added coverage for hazards that can cause huge damage (like sewer backups) or that are big risks in the area where you live like earthquakes in parts of California, hurricanes along the Gulf Coast and Eastern Seaboard, or sinkholes in parts of Florida.

    How Much Money Will You Get to Rebuild With?

    Let’s take the most unlikely (but scary) scenario: A fire or other hazard destroys your house or makes it unlivable. You might expect your insurance company to pay for it to be rebuilt, or restored to just what it was before, but what will actually happen depends on the terms of your policy.

    The norm: replacement cost coverage. If your house is destroyed, the amount you receive to rebuild under a standard policy with “replacement cost” coverage will be a set dollar figure, which you’ll see in the policy. That figure was calculated in advance, using the information you provided to the insurance company about the house’s size, location, number and type of rooms, building materials, amenities, and more, when you first got the policy.

    However, when disaster strikes, this figure could be way off the mark, particularly if building costs have gone up, a widespread natural disaster increases demand for contractors, you have remodeled and not updated your insurance, or your house has historical features that will be hard to recreate.

    The ideal: guaranteed replacement coverage. If you look very hard (and pay more), you may just find a policy that guarantees payment of 100% of your repair or rebuilding costs, without limits. This rare and wonderful creature is called a “guaranteed replacement cost” policy. If your house has historical features that are hard to reproduce, finding such a policy will be especially difficult.

    To be avoided: actual cash value coverage. If your insurance policy pays the “actual cash value” of your house, you should start looking for new coverage. Cash value policies are sometimes pushed on people with older houses or ones with an inadequate water supply (a fire danger). You’ll get the house’s replacement cost minus any depreciation or wear and tear that it’s suffered since being built — for example, they might deduct for a roof that needed to be replaced — which means you are almost guaranteed not to have enough with which to rebuild.

    Check Coverage for Living Costs and Personal Possessions Coverage

    In addition to checking your policy for how much you’ll get to rebuild your home with, check the fine print for these items:

    • Living costs while your home is being rebuilt. This is called a “loss of use” provision and often includes hotel bills and restaurant meals for a certain period of time. One year is a standard provision, but if you can get coverage for two, that would be better. Some policies place a dollar limit (instead of a time limit) on your living expenses, often 20% of the total insurance on your house.
    • Replacement costs for personal possessions. Much like the different amounts of money you can get for the house itself, there are different levels of coverage for the stuff inside. Some policies offer “replacement value,” meaning the actual cost of buying a new item. Others offer “actual cash value,” which is the amount you could get by selling your possessions after taking depreciation into account (think “how much can I get for it on eBay?”).
    • Coverage for expensive items. Your policy will probably apply separate limits (usually between $1,000 and $2,000) for big-ticket items such as jewelry, cameras, sports equipment, musical instruments, electronics, furs, firearms, coins, or silver that are damaged or stolen. If you want more coverage, pay for endorsements insuring each big-ticket item for its appraised value. These extra endorsements will also cover your items in the case of “accidental disappearance” (insurance-ese for “you lost track of it”).

    Liability Insurance

    Liability insurance compensates for two things:

    • Medical payments to others. This pays the medical bills of people from outside your household who are accidentally injured while on your property or by you or a household member, including a pet, whether on your property or elsewhere.
    • Personal liability. If you’re sued, this covers both your legal fees and any amounts a court orders you to pay to someone who was injured or whose property was damaged by someone in your household (human or animal). (For more information on your liability for injuries caused by your pets, see Nolo’s article Dog Bites: When Is an Owner Liable? )

    Standard homeowners’ policies traditionally provide around $100,000 in liability coverage. You can easily imagine how someone’s medical bills could top that amount, and if you’re sued you could end up paying even more. Rather than putting your house at risk of being sold to pay a court judgment. make sure your liability coverage is at a realistic level — between $500,000 and $1 million.

    Check Your Deductible

    A deductible is the amount you must pay after a loss before your insurance company steps in. Most homeowners agree to a $500 deductible (for the hazard portion; liability insurance doesn’t normally carry a deductible).

    However, raising your deductible can be a great financial move. It not only allows you to significantly reduce your premium costs, but also prevents you from being too quick to call your insurer for coverage. The more claims you make, the more likely the insurer is to raise your premiums or cancel your policy.

    To learn more about buying and insuring a home, see Nolo’s Essential Guide to Buying Your First Home . by Alayna Schroeder, Ilona Bray, and Marcia Stewart.

    Talk to a Real Estate attorney.





    MN Insurance Agent Minnesota Auto Car Homeowners Life Health Quote Columbia Heights

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    McAlpin Agency, Inc.

    Our Mission

    As an Independent Insurance Agency, it is our goal to provide you with the best coverage at the lowest price from a top quality company.

    To request a quote for MN insurance, click on the Quotes link above.
    Then choose the line of insurance from the Quote Forms menu that will appear.

    There are quote forms for Auto / Car, Homeowners, Health, Medicare Supplements, Medicare Advantage Plans, Medicare Part D Prescription Drug Plans, Life, Dental, Long-Term Care, Disability Income, Global / Travel Medical insurance, Employee Benefits, Commercial, Motorcycle, Watercraft (boats), Jet Ski (personal watercraft) Snowmobile.

    At McAlpin Agency, Inc. we are committed to protecting your privacy as a visitor to this Web site and as our customer. To our visitors and to our customers, we offer this pledge:

    McAlpin Agency, Inc. is the owner of the information, which is collected on this Web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

    Information Collection
    We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Web site. When you enroll for an insurance policy at McAlpin Agency, Inc. we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of McAlpin Agency, Inc. so we can provide you with policyholder service. The employees of McAlpin Agency, Inc. are each required to sign and acknowledge a Confidentiality And Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer’s personal information.
    When you purchase an insurance policy from McAlpin Agency, Inc. you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder Of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

    When you send us e-mail from this Web site, you will provide us with certain personally identifiable information including your e-mail address.

    Third Party Links
    This Web site may contain links to third party Web sites that are not controlled by McAlpin Agency, Inc. These third party links are made available to you as a convenience and you agree to use these links at your own risk. Please be aware that McAlpin Agency, Inc. is not responsible for the content of third party Web sites linked to YOUR AGENCY NAME nor are we responsible for the privacy policy or practices of third party Web sites linked to McAlpin Agency, Inc. Our Privacy Policy only applies to information we collect from you while you are at and while you are actively in a session with McAlpin Agency, Inc. If you should link to a third party Web site from McAlpin Agency, Inc. we strongly encourage you to review and become familiar with that Web site’s privacy policy.

    Changes In Our Privacy Policy
    We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes.

    If you have any questions about our privacy policy, please feel free to contact us at:

    Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at [insert phone number] to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.

    Personal Lines Insurance