Insurance Services

Auto insurance ensures you against money related misfortune in the event that you have a mishap. It is an agreement among you and the insurance agency. You consent to pay the premium and the insurance agency consents to pay your misfortunes as characterized in your strategy.

Auto insurance provides property, liability and medical coverage:

Property Coverage pays for harm to or robbery of your vehicle.Liability Coverage pays for your lawful duty to others for real damage or property harm.

Homeowners insurance is a policy that protects you and your home in the event of a variety of circumstances. Below you'll find practical information to help you compare homeowners insurance quotes and get the best policy for your needs.

Key Takeaways

• Homeowners insurance covers much more than your home itself.
• Comparing quotes is the best way to find the right policy.
• It is not required by law to have homeowners insurance but those with a mortgage must enroll in a policy.
• Rates vary by individual factors, but homeowners insurance premiums can cost in excess of $2,000 per year.

Health insurance is a type of insurance that pays for medical expenses incurred by the insured person. It works by paying a portion of the cost of health care services that the insured receives, usually after the insured pays a deductible. There are generally two types of health insurance: private health insurance and government-funded health insurance. Private health insurance is usually offered by an employer or purchased by an individual, and it covers expenses like doctor visits, hospital stays, and prescription medications.

In order to obtain life insurance, you must qualify by submitting an initial application. The process typically includes a phone screening and a medical examination to determine your health status, including any chronic or pre-existing conditions. Your health information is a major contributing factor to your life insurance premium. Once you finalize how much life insurance you need and your rate, you must keep paying your premium to keep the coverage in place.

After you pass away, your beneficiary must file a claim with the life insurance company and submit relevant documentation, such as a death certificate. The beneficiary may choose how the death benefit will be paid out to them — either via lump sum or annual payments. Each life insurance payment option is paid out tax-free.

Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD).

The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare. The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.

Renters insurance is a type of insurance policy that helps protect tenants from financial losses due to unexpected events such as theft, fire, or water damage affecting their rented space.

• Personal Property Coverage: This protects your belongings against damage or loss from covered perils like fire, theft, and vandalism.
• Liability Coverage: This can protect you if someone is injured on your property or if you cause damage to someone else’s property.
• Additional Living Expenses: If your home becomes uninhabitable due to a covered peril, additional living expenses coverage can help pay for temporary housing and related costs.
• Medical Payments to Others: If someone is injured on your property, this coverage can help pay for their medical expenses, regardless of fault.

Travel can represent financial risk. No matter your destination, there’s always a chance you could face an unanticipated cancellation, interruption, travel mishap, or health emergency.

• Deluxe Plan: The eUpClick Deluxe plan is our best travel insurance plan with the most coverages, global travel assistance and access to 24/7 emergency travel assistance services.
• Preferred Plan: Travel easy with our comprehensive travel insurance, the eUpClick Preferred Plan. With new and expanded coverage, this plan is the perfect travel companion.
• Essential Plan: The eUpClick Essential plan is our budget-friendly travel insurance plan. This plan is perfect for business travel and domestic travel with basic coverage amounts.

Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.

• Learn more about the many types of the commercial insurance policies.
• Assess your risks.
• Shop around yourself or work with a reputable broker to assist you.
• Compare policies based on company rating, coverage and price.