PERSONAL INSURANCE
 
Click any of the links below for your free no obligation quote!

Automobile Insurance

Having great automobile coverage can save a lot of time and frustration. A majority of policyholders don’t know they don’t have the best coverage until something happens. Whether it's a minor fender bender or a more substantial accident, it pays to have car insurance coverage you can count on.

Let one of our experienced car insurance specialists explain the different Liability limits, Comprehensive, Collision, Personal Injury Protection, Medical coverage, and deductibles that are available for you to choose. We offer affordable truck and car insurance policies from reliable companies that will not raise your premium by 15% after the first year.


Homeowners Insurance

Whether you own a house, a condominium or a townhouse, for most people their home is their most important investment. We offer homeowner's insurance policies that have the flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe.

Homeowners insurance is one of the most popular forms of personal
insurance. The typical homeowner's insurance policy has two main
sections:

Section I - insurance coverage for your property

Section II - personal liability coverage (to cover you in case of lawsuits
arising from things that happen on your property)

Homeowners insurance is often required by lenders to obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance.


Renters Insurance

We offer affordable apartment renters insurance policies to meet your individual needs. If you live in an apartment or a rented house, renter's insurance covers you and your possessions. In many cases, a standard renter's insurance policy protects your personal property from theft or damage, and may pay for temporary living expenses when serious damage prevents you from living in your rental. It can also protect you from personal liability. 

The standard renters insurance policy covers the actual cash value of personal property. Payments are based on the replacement cost of the property minus a deduction for physical depreciation and obsolescence. Our insurance specialists can help you explore options to create a policy to meet your individual needs.


Life Insurance

Life Insurance can help protect your family and is an excellent way to accumulate money for college, retirement, or unplanned expenses. A person should have life insurance that approaches six to eight times their annual gross income. Under current laws, there is generally no federal income tax on death benefits paid to a named beneficiary.

Using the strength and experience of our individual life insurance markets we
offer several affordable term, whole, variable, and universal life insurance
policies.


Health Benefits

Although people are generally living longer, many are requiring assistance in their later years. Long term care services can be provided in your home, an assisted living facility, or in a nursing home. In many cases the family is no longer able to provide such care around the clock. Family members may not live nearby; they may have other pressing family commitments, or simply can't get the time off work, or away from the home.

Major medical health insurance provides benefits up to a high limit for most types of medical expenses incurred, subject to a deductible. Once you meet the deductible, our major medical insurance plans pay a percentage of what is considered the "Usual and Customary" charge for covered services. The insurance company generally pays 80% of the Usual and Customary costs and you pay the other 20%, which is known as co-insurance. If the insurance company charges more than the Usual and Customary rates, you will need to pay both the co-insurance and the difference.

With major medical insurance plans you can choose your doctor and any hospital for your medical services. You, or your doctor can send them directly to the insurance company, which pays part of it. Usually, there is a deductible of $200 or more you must pay each year before the insurer starts paying. The plan will pay for charges such as medical tests and prescriptions from doctors and hospitals.


Long Term Care Insurance

According to recent data, 48.6% of people age 65 and older may spend some time in a nursing home, and 71.8% of people age 65 and older may use some form of home health care.

Some people can pay the bill out of pocket, others will qualify for Medicaid (welfare), but most of us will fall somewhere in the middle. A Long Term Care insurance policy can help protect your assets from the rising cost of care.

Long Term Care insurance is often referred to as "asset protection." Individuals need to have assets worth protecting in order to justify the purchase of a policy. If you are able to pay Long Term Care insurance premiums without having to change your lifestyle - you should transfer that risk to the insurance company. Contact us for a quote:
Leslie Younger at: Tel. 203-359-0880 x1118.

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