Insurance customers pay premiums to a home insurance company in return for the assurance that the insurance company will provide compensation — up to coverage limits — in the event of a total loss. As long as the homeowner, or their escrow, continues to pay and the cause of loss is considered a covered peril, the insurance company will honor repayment for damages.

Depending on the insurance provider, the discount can range from 5% to 20%. According to our data, homeowners save an average of 10% and renters save 5%.

Your auto insurance policy consists of multiple car insurance coverages. Coverages provide protection in different situations. Coverages have different limits and may have deductibles. Specific coverages and limits may also be required by a lienholder or lender.

Your auto insurance may provide coverage for rental cars. If rental cars are covered by your current auto insurance policy.

A Business Owners Policy (BOP) provides both general liability and property coverage for your business. It protects against the loss of personal property, property damage to buildings, and liabilities faced in the course of business activities. Additional coverage is included in our basic BOP that provides additional security, including protection against loss of business income. Depending on your type of business, you may find that we suggest other possible coverage add-ons, along with explanations about what they provide, so that you can make an informed decision.

Our actuaries have determined our rates based on the type of business being insured, and the coverage being provided, as well as other factors which affect the risk. Examples of such additional factors for property coverage include whether the business property has a fire or burglar alarm system; the type of construction of the building insured; and the distance between the building insured and the nearest fire

Employees are a vital part of any company’s success. When employees have the coverage, they need to take care of their health, the company’s future is also protected. We offer a variety of insurance products to help protect you and family from life’s uncertainties. Supplemental insurance, sometimes called voluntary insurance, helps bridges the financial gaps left by other coverage you may have.

Since supplemental insurance products are offered through your employer, you can take advantage of great group rates and convenient payroll deduction. And in many cases, there are no medical questions to answer. Some of our benefits: Accident Critical Illness Hospital Indemnity Insurance Cancer Insurance Disability Insurance Group Health Dental Insurance Vision Insurance