Personal Insurance
Personal Insurance Quotes
|
Personal Insurance from Rick Stein Insurance Agency provides
our customers with protection for their homes, automobiles and personal
possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we
listen to you... we discuss your needs and answer your questions.
Next, we look at both your short-term and long-term objectives and
help put your insurance and planning needs in perspective.
Rick Stein Insurance Agency provides the following types of personal insurance
protection:
Personal Auto Insurance
This coverage has two parts. The first is the liability section
of the policy. It covers your financial responsibility for injuring
others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage reimburses
losses from fire, theft or other perils; collision coverage pays
to repair losses caused by an accident. Often this coverage is mandated
by leasing companies or banks. There are also ancillary medical,
car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help
reduce premiums. If you carry umbrella insurance, you must be sure
that you carry the required amount of basic liability insurance to
avoid a gap in coverage for a serious accident.
Auto Insurance Quote
Homeowners Insurance
If you have tangible assets, you need the protection of a homeowner’s
policy. These policies cover you in a home or an apartment, whether
you are an owner or a renter. A well-written homeowner's policy will
pay to replace any of your personal property that is destroyed in
a fire or other disaster. The policy will also be your first line
of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The
quality of the coverage, however, is determined by the quality of
the insurer and whether the policy is written on a named perils or
all-risk basis. A named-perils policy covers only those losses specifically
cited in the contract. The all-risk policy works the opposite way
-- unless a peril is specifically excluded, coverage is provided.
The all-risk policy is broader and the burden of proof is on the
carrier not you in the event of a loss.
Condo
Your condo is probably the single most important investment you
have. So you want the best protection at a reasonable cost. With
our policy, you'll get broad coverage for your condo and personal
belongings. . . even your boat! And take advantage of special safety
discounts, too.
For just pennies a day, get special protection for valuable items,
electronics and more. You can also combine your condo and auto insurance
into one package that can save dollars, while providing extra coverage.
Condo Insurance Quote
Renters
As a renter, you need to protect your personal property against
theft and damage. Our renters insurance is hard to beat for convenience
and value. Plus, we'll assure you the peace of mind you need for
your valuable items and electronics.
Renters Insurance Quote
Personal Umbrella
You don't have to be a millionaire to be sued like one. Million-dollar
judgments against individuals for negligence are still relatively
rare. However, receiving a lawsuit with a million-dollar demand is
more common. If you receive such a court summons and you have only
$100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind"
for most types of negligence claims. Automobile accidents are probably
the most common source of serious claims. This policy supplements
your basic automobile liability with extra million-dollar layers
of protection. It also covers other types of catastrophic claims
such as a neighbor's child drowning in your pool or the delivery
man being seriously injured by falling over your child's toys.
Homeowners Insurance Quote
Motorcycles
Whether
you’re an enthusiast or a first-timer, having fun, being responsible
and being safe is what it’s all about. Being responsible includes
finding the right insurance.
Motorcycle insurance is a way of sharing the risks of driving between
you and your insurance company. The way it works is simple. You pay
a set premium to an insurance company for coverage. In return, the
company promises to pay for specific financial losses that might
occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against
loss in case of an accident. In many states, you must carry basic
insurance to cover the cost of losses you cause to others in an accident.
If the unexpected happens, insurance gives you peace of mind in knowing
you are protected. We have a variety of motorcycle policy options
to meet your needs.
Boats / Marine
Can
you be sure all boaters on the water today are as safety conscious
as you? And could you afford out-of-pocket expenses of $4,500
or more? That’s just the average cost for a boating accident. Now
is the time to give serious consideration to protecting yourself,
your passengers and your property in case you’re ever involved
in a boating accident.
What does boat insurance cover? Insurance needs differ depending
on the type of boat or watercraft you own. Basically, boat insurance
protects you against accidents, vandalism, and insures you against
liability.
Flood
Did you know that your homeowners insurance does not cover flood
damage? Insurance against flood must be separately obtained. A flood
insurance policy also reimburses you for the work that you and other
family members did to sandbag your homes, move furniture and remove
debris.
FEMA's maps are important when it comes to flood insurance because
if they show that your home sits in a 100-year flood plain, you must
buy federal flood insurance in order to get a mortgage. If you live
outside a high-risk zone, or if you no longer have a mortgage, flood
insurance is optional.
|
