Home & Auto
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 the property
Covers things inside the property
D-Loss of Use
Covers expenses associated with additional living expenses
Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense.
F-Medical payments to others
Dwelling Fire Policy
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.
Bodily Injury Liability
Covers injuries the policyholder causes to someone else
Medical Payments or Personal Injury Protection (PIP)
Covers for treatment of injuries to the driver and passengers of the policyholder’s car.
Property Damage Liability
Covers for damage the policyholder causes to someone else’s property.
Covers for damage to the policyholder’s car from a collision.
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.
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.