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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:

A-Dwelling

Covers the property 

B-Other Structure

Covers garage

C-Personal Property

Covers things inside the property 

D-Loss of Use

Covers expenses associated with additional living expenses

E-Personal Liability

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

For Investment 

Properties:

Dwelling Fire Policy

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. 

Covers:

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.

Collision

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

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.

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.

TLC

Liability 

Physical Damage

TLC Insurance
TLC Insurance

3 Ways to provide documents 

Come to our Office: 

127-03 Rockaway Blvd South Ozone Park, NY 11420

Text or Whatsapp (516) 218-1161

E-mail:  TEAM@LJINSURANCEAGENCY.COM

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