Those who own a home know it’s their most valuable asset. What they may not know however, is if their home is adequately protected by their Homeowner’s policy. At the Harrison Insurance Agency our knowledgeable team will work to find you optimal coverage with competitive pricing. As an independent agency we represent a number of insurance providers we can use to fit your specific needs and budget. We’ll work hard to make sure that you aren’t over-insured or under-insured so that you find yourself with the proper amount of coverage. We’ll also ensure you’re covered for those items you may not have thought about including jewelry, furs, arts, collectibles or firearms.
There are different types of insurance policies that cover your home. Is a basic policy what you need, or a policy that covers a much broader range of protection?
Financial protection for your home is critical. It provides protection if you are ever held liable to injuries that occur on your property or damage to their belongings while on your property. Homeowners insurance is also required by most mortgage lenders.
Most Homeowners policies cover damage that is caused by vandalism, theft, fire, windstorms, hail, and lightning among other events but do not include flood or earthquake coverage. Make sure to speak with your agent to understand exactly what your policy covers.
Be very cautious about those insurance companies advertising low priced insurance. Many times that savings can result in low liability limits and high deductibles which can put you and your family at risk in the event of a claim. At the Harrison Insurance Agency our goal is to tailor an auto policy to meet the specific needs of your protection with one of our many insurance providers, all at a price that’s extremely competitive. With more choices than ever for auto insurance, let one of our agents review your coverage and help you choose what’s right for you and your family. Take a look below for a few terms that you should know when shopping for your auto insurance.
Collision Insurance – pays to repair or replace a car if you get into an accident. If you buy a new car with a loan, you’ll be required to have this coverage.
Bodily Injury Liability Insurance – Most states will require you to carry bodily injury liability insurance to cover you if medical treatment, funeral costs or rehabilitation services are incurred by your own passengers, their passenger, injured pedestrians, and other drivers. Some other costs that are covered include losses related to pain and suffering and lawyers’ fees.
Property-damage liability – Property-damage liability will cover repair or replacement of another person’s cars and property.
Personal-injury protection (PIP) – PIP covers medical, rehabilitation and funeral costs for individuals that live in your household, as well as wages that may be lost and in-home care.
Comprehensive Insurance – Comprehensive Insurance pays the owner if the car or its contents are stolen, or if the car is damaged by water, fire, or other hazards.
While there are many more terms and auto insurance types out there, Harrison Insurance of Colonial Heights is here to help you in your decision making process. Our agents will make sure that you are taken care of properly and covered for anything life throws at you.