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Home & Auto

Insurance 

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Homeowners Insurance Policy

Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.

 

Covers:

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A-Dwelling

Covers the property 

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B-Other Structure

Covers garage

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C-Personal Property

Covers things inside the property 

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D-Loss of Use

Covers expenses associated with additional living expenses

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E-Personal Liability

Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense.

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F-Medical payments to others

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For Investment 

Properties:

Dwelling Fire Policy

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Personal Auto

Auto Insurance

Auto insurance provides financial protection against theft, physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. 

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Covers:

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Bodily Injury Liability

Covers injuries the policyholder causes to someone else

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Medical Payments or Personal Injury Protection (PIP)

Covers for treatment of injuries to the driver and passengers of the policyholder’s car.

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Property Damage Liability

Covers for damage the policyholder causes to someone else’s property.

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Collision

Covers for damage to the policyholder’s car from a collision.

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Comprehensive

Covers for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

 

Uninsured motorists coverage

Covers for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

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Commercial Auto

Business Insurance

Covers cars, trucks, motorcycles, and other road vehicles owned by or operated within a business. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom.

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TLC

Liability 

Physical Damage

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TLC Insurance
TLC Insurance

3 Ways to provide documents 

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Come to our Office: â€‹

127-03 Rockaway Blvd South Ozone Park, NY 11420

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Text or Whatsapp (516) 218-1161

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E-mail:  TEAM@LJINSURANCEAGENCY.COM

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