Home & Auto
Insurance
Home
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 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
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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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3 Ways to provide documents
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Come to our Office: ​
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