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 in most states. The second part covers the vehicle 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.
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 along with your home that is destroyed in a fire or other disasters. Also, the policy will be your first line of defense against a lawsuit from someone injured at your home.
Community Insurance Agency’s farm insurance coverages are tailored to meet your farms property and liability risks, whether you’re running a large scale operation or simply enjoying a retirement hobby. Our farm insurance programs cover your dwelling and household personal property, farm personal property, plus barns, stables, silos and other structures. Our farm liability insurance protects you against injury and property damage, medical payments, advertising injury and farm pollution.
Two types of crop insurance to farmers in the U.S.: Crop-Hail and multiple peril crop insurance (MPCI). Many farmers purchase Crop - Hail coverage because hail has the unique ability to totally destroy a significant part of a planted field while leaving the rest undamaged. MPCI policies must be purchased prior to planting and cover loss of crop yields from all types of natural causes including drought, excessive moisture, freeze, and disease. Newer coverage options combine yield protection and price protection to protect farmers against loss in revenue, whether due to low yields or changes in market price.
Life insurance can help you secure your family’s financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs:
Long Term care is the type of care that is received in a home or in a facility, when someone needs assistance with activities of daily living such as bathing and dressing due to an accident, an illness or advancing age. Rising life expectancy means that the potential need for long term care grows with every passing year of your life. The likelihood is that you or a member of your family will need long term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security, Medicare, Medicare Supplement, or private health insurance.
Businesses present unique exposures for insurers, so it is harder to generalize about coverages. The categories of policies listed below are only an outline of the coverages available through our insurance carriers. As your company grows Community Insurance Agency will review your plan to make sure your coverage is up to date and the pricing remains competitive. Types of business coverage includes:
- Commercial Auto
- Business Owners Package (BOP)
- Commercial Property
- Commercial Umbrella
- Contractors General Liability
- Property / Liability
- Workers Comp
- Employee Benefits
- Buy - Sell funding (life insurance)
Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising costs of medical care, it has become more important to provide health insurance for you and your family. Community Insurance Agency provides health insurance plans which can offer extensive coverage as well as high deductible programs which are designed to protect against catastrophic financial losses.
A steady income is essential for most people. If an accident or illness interrupts that income, it may severely affect your lifestyle. Disability protection is designed to replace a portion of the wages lost when a disability occurs.