- Auto InsuranceAbout to buy a new home? Looking for better auto insurance? Worried about protecting your family, pets, and belongings? Or just want to compare rates with your current insurance? We’ve got you covered.
- Motorcycle InsuranceHowever, motorcycle insurance policies are generally much cheaper because motorcycles tend to be less expensive than cars. In addition, they don’t cause as much damage when they collide with another vehicle or object.
- Boat InsuranceBoat insurance, also referred to as marine insurance, can be used for personal or professional purposes and usually covers items such as trailers and other equipment.
- Renters InsuranceRenters insurance is a type of insurance that helps protect your belongings in case of damage or theft. It can also provide liability coverage if someone is injured while visiting your home.
- Home InsuranceIf you’re a homeowner, you’re probably familiar with the standard homeowners insurance policy. But what about specialty dwelling insurance? What is it and do you need it?
- Condo InsuranceYou probably know that when you purchase a new home, it’s a wise idea to also obtain a Homeowner’s insurance policy. If you’ve recently bought a condo, you’ll most definitely want to look into specific insurance to protect your property, as well as that of your neighbors. A condo is different than a stand-alone dwelling, such as a house. There are communal areas and shared walls. You will want to look into the benefits of condo insurance in order to save yourself time, money, and frustration should an accident or unforeseen event occur. You may think you are covered for things such as shared areas of the property, common walls, or liability under the fees you pay each month to the condo association. However, it’s likely that if this were to be your sole source of insurance, you would be very much underinsured. Having your own separate plan to cover all areas of your living area complex, including your individual unit’s interior, is a small, but wise investment. Anyone living in a condo or townhouse complex with shared walls and other communal property should have this type of insurance.
- Landlord InsuranceLandlord insurance is in place to protect a commercial property owner’s investments. There are several benefits to obtaining this kind of insurance protection. Property is an asset that a landlord’s very livelihood can be dependent upon, and having the correct insurance coverage can safeguard his or her future income and all previous investments already made into the property.
- Life InsuranceTalk with an insurance specialist at Heidi Kussurelis Agency Inc to see if mortgage protection insurance is right for you and to discuss other life insurance options to give your family the peace of mind they deserve.
- Health Insurance· health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- Business InsuranceBusiness insurance protects your employees, property and finances if something unexpected happens on or off your premises. It is usually not optional – most states require at least some types of business coverage for all businesses operating within their borders.
- Professional Liability InsuranceProfessional Liability Insurance – Also known as errors and omissions, this type of coverage protects you against claims that you have made mistakes or failed to fulfill your obligations
- Builders Risk InsuranceBuildings and properties under development are exposed to a wide range of exposures that may not affect completed properties. For example, they’re more exposed to weather damage from wind, hail, or rain, as well as threats of theft and vandalism. Builders Risk Insurance provides financial security for a project against these types of risks and more through the course of construction.
- Liability InsuranceUmbrella insurance is a type of liability insurance that acts as a supplement to your current insurance policies. Umbrella policies help with expenses that exceed standard policy limits. In America today, one out of every three people will face a lawsuit during their lifetime. Most of us have insurance for our homes and our cars, but few understand what umbrella insurance is or why everyone needs it.
- Flood InsuranceAs with virtually all other insurance, Flood insurance policies are designed to provide protection to individuals when it comes to flooding. It is designed to protect against flooding, helping the resident cover the loss of any property in the event of a flood. These insurance policies are primarily for people that live in an area where flooding can occur naturally. It is recommended for anyone that lives near a large body of water and poses a risk of their property being flooded. However, there is cause for other people to get their property covered by this insurance policy as well. Depending on the type of coverage needed, the policy could cover instances of flooding due to things like a busted pipe and many other unexpected incidents.
- Earthquake InsuranceEarthquake insurance can be tailored for a variety of budgets and circumstances. For example, rates may be lower for homes made out of wood versus homes made out of brick, as wooden homes are better at absorbing quakes. Your rate will also depend on your location and the probability of an earthquake occurring. Single-story homes are also less vulnerable to quakes than multi-story homes.
- Windstorm InsuranceThere are two main categories of insurance for your home: property insurance and liability insurance. Property insurance protects the value of your house from damage or loss due to specific events. There are several kinds of property insurance, including fire insurance, flood insurance, earthquake insurance, and windstorm insurance. Liability issues arise when someone else suffers an injury while on your property due to something you did – accidentally or not – or if there’s damage caused by your animals. Homeowner policies generally offer liability insurance as a standard feature.