Services

Numerous kinds of insurance are encompassed within the Property and Casualty (P&C) insurance category. Each of these policies provides coverage for personal property and liability.

• Auto Insurance – Auto insurance provides protection for your vehicle in the event of an accident, covering the costs of repairs. In the unfortunate scenario where your car is stolen, your insurance policy will assist in financing a replacement. Additionally, it encompasses your responsibilities as a motorist. Should you be involved in a collision with another vehicle, your liability coverage will contribute to the expenses incurred by the other party, covering both the repair of their vehicle and any medical bills.

​

• Home Insurance – Homeowners insurance provides protection for both your personal belongings, such as clothes and furniture, and the physical structure of your home against widespread dangers. For instance, should a fire obliterate all your attire, the personal property aspect of your policy would assist in funding replacements. Additionally, this type of insurance offers liability coverage. This means if a visitor were to sustain injuries on your premises and you were deemed liable, the costs for your legal defense would be covered, subject to the limits of your policy.

​

• Condo Insurance – Condo insurance mirrors home insurance by protecting your personal belongings and providing liability coverage. Additionally, it extends to cover damage within your condo unit. The key difference between homeowners and condo insurance lies in the coverage of the dwelling itself. For condo owners, the condo association acquires a master policy that insures the building's exterior. Conversely, your individual condo policy is responsible for covering the interior spaces, including walls and any upgrades not included in the master policy.

​

• Renters Insurance – Similar to homeowners insurance, renters insurance provides coverage for your personal belongings and liabilities. In the event that an electrical fire damages your furniture, your renters insurance policy will assist in replacing the damaged pieces. This extends to liability as well; if you unintentionally cause damage to someone else's property and face legal action, the liability coverage in your renters insurance will help cover the expenses. However, it's important to note that, in contrast to condo or homeowners insurance, renters insurance does not extend coverage to damage of the dwelling's interior or exterior.

​

• Landlord Insurance – Landlord insurance is designed to protect the structure of the building. Should you, as a landlord, experience damage to your apartment building's roof due to a windstorm, your landlord insurance policy could assist in funding the necessary repairs. Additionally, it offers coverage for your liabilities in case a tenant is accidentally injured on the premises.

​

• Business Insurance – Business proprietors acquire property and casualty insurance for similar motivations that drive individuals to protect themselves. This type of insurance is a safeguard, offering monetary defense against harm and losses affecting the business's property and assets. Casualty insurance generally provides a wider range of protection, covering claims from third parties — often clients or customers who suffer injuries at the business location. Furthermore, it extends coverage to damages caused to clients' properties by you or your employees during service provision.
  
  These policies also extend to offer specialized protection, including business interruption coverage. This critical feature assists in covering operational expenses and compensating for lost income when the business is forced to halt operations temporarily due to a covered loss, such as a fire.

​

• Power Sports Insurance – If you own a boat, ATV, golf cart, or snowmobile, obtaining a power sports insurance policy can be advantageous. These policies help cover repair costs for your vehicle in case of damage and offer financial liability protection for the driver. For example, if your snowmobile accidentally damages someone's backyard fence, the liability coverage of your power sports insurance would cover the cost of fixing it.

​

• Umbrella Insurance – Umbrella insurance provides an expansive layer of liability protection that enhances your existing casualty coverage limits, catering to both personal and business needs. In today's world, where lawsuits can be unexpectedly large and unpredictable, having umbrella coverage is a critical component of any insurance strategy. Standard coverage limits may fall short of covering these risks adequately. However, by investing a little more, you can significantly increase the limits across all aspects of your liability insurance through an umbrella policy.

​