Including Scooter & Moped Insurance
There are two types of liability coverage. Coverage for Bodily Injury and coverage for Personal Property.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.
If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.
If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car. Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.
UNINSURED / UNDERINSURED MOTORIST COVERAGE
These days, about 1 in 8 are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage.
Your home is likely your most valuable and most prized possession. There is nothing quite like the wonderful feeling of a having a place to call home and nothing worse than the sinking feeling of losing it. Residential homeowners’ insurance helps to make sure that we will have a home in the event the unexpected occurs.
Keep in mind, the price you paid for your home is not necessarily what it will cost to rebuild it. For example, the cost of your home may have included the value of the land. When insuring your home though, consider what it would cost to replace or rebuild the house itself. Talk to a Farmers agent, who can work with you to estimate the reconstruction cost of your home. You can also ask a reputable contractor about local building costs.
Are you protected if someone is injured on your property or if you damage another’s property? Personal liability protection covers you against the things you can be held liable for.
Are your wedding bands or other valuables covered? What about your home entertainment system? Personal property coverage protects your personal belongings.
Renters insurance covers your personal property, and even covers you from liability claims while you’re renting. Also, if your rented home ever needs serious repairs, and you’re unable to live there, it also covers the reasonable and necessary increase in living expenses (housing, food, etc.) you may incur.
Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own