PERSONAL INSURANCE
INSURANCE TO PROTECT YOURSELF & YOUR FAMILY
LEVERAGE THE POWER OF A-RATED COMPETING INSURANCE CARRIERS!
WE DO THE RESEARCH, YOU GAIN THE SAVINGS!
Nearly all insurance carriers offer discounts to reduce the cost of your personal insurance premiums, but very few agencies have access to a large pool of A-rated competing insurance carriers! The SBRA's relationship with Excellence-In allows us to offer our members a cost-saving solution for quality insurance protection.
In addition, we'll assist you in selecting the policies you need, balancing optimal coverage with low cost. We'll build a customized insurance package to fully insure your most valued assets, delivered at a great price.
So, if you’re looking to save on insurance while maximizing your coverage and eliminating vulnerabilities, then schedule a call to obtain a free risk assessment and coverage review!
Homeowners Insurance
There are numerous coverage options and types of homeowners insurance. Choosing the right coverage at the best cost can be difficult and time-consuming. That’s why we’ve done the research for you. We'll share our insights and knowledge to help you decide which package and coverage are right for you.
Contact us today to discuss a customized program to suit your lifestyle!
Auto Insurance
Selecting the right insurance for your car, truck or recreational vehicle takes time. Auto insurance carriers offer a variety of rates, discounts, coverage types and ways to save. However, few agencies can match our extremely large pool of competing insurance carriers designed to foster more competition and greater savings for you!
Choosing the right insurance means more than just finding the lowest price. It's important to select the coverage that eliminates potential vulnerabilities and devastating financial loss. That's why working with an experienced agent is critical, something that the multitude of point-and-click websites fail to address.
So, don’t expose yourself to uncovered and unnecessary risks. Contact us today for expert help in creating a customized vehicle insurance solution to meet your needs and budget!
Umbrella Insurance
What is Umbrella Insurance?
Umbrella insurance is liability protection designed to safeguard you from claims involving your vehicles, home or personal property. Umbrella policies help pay for expensive legal settlements and attorney’s fees if you are sued for damages exceeding the limits of your homeowners and auto insurance policies. Umbrella insurance adds coverage for slander, libel, invasion of privacy, false arrest, malicious prosecution and rental property liability claims that are not covered with other forms of insurance.
Why Purchase Umbrella Insurance?
Financial security can take a lifetime to achieve. Unfortunately, it only takes a single incident to lose your savings, investments, property and retirement funds. Basic homeowners and vehicle insurance can protect some of your financial assets, but there are often limits to the amount of liability protection they provide. Obtaining an umbrella policy based on your net worth is a great way to safeguard yourself from a financial catastrophe.
Contact us to learn more about increasing your liability protection. We'll guide you in creating a customized program to minimize your vulnerability and optimize your protection!
Flood Insurance
Understanding Flood Insurance:
Technically, Flood Zones are classified as “Special Flood Hazard Areas” (SFHAs). These SFHAs are designated by the Federal Emergency Management Agency (FEMA). We can help you determine if your property is in a SFHA. If you are, flood insurance can protect you against a catastrophic loss – and may be required by a mortgage lender.
Just because your home is located outside of a SFHA doesn’t mean it will never experience a flood. If your property is considered to be in a “preferred zone,” which are areas less likely to flood (low-risk flood zones), “preferred risk” policies can give you the protection you need at a more affordable price.
Even in areas that don’t regularly make national headlines, it is all too common for built-up rain water to flow into basement windows and down stairwells causing considerable damage. Torrential rains, melting snows, diverted water, or dam failures can all spawn unexpected flooding. And, as little as one inch of water in a standard home can cause more than $25,000 in damage.
Is anyone eligible to purchase flood insurance, even if their property is not located in an SFHA? Yes! In fact, more than 25% of flood insurance claims come from areas where flood insurance is not required by mortgage lenders.
Contact us today to learn more about acquiring flood insurance protection for your home!
