Home Insurance

Homeowner’s Insurance also known as hazard insurance is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, contents, loss of use, or loss of personal possessions of the homeowner as well as liability insurance for accidents that may happen at home or at the hands of the homeowner within the policy territory. Homeowner’s policy is referred to as a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks.


The cost of homeowner’s insurance often depends on what it would cost to replace the house, not the land and which additional endorsements or riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier and the named insured. It is a contract of indemnity and will put the insured back to the state the insured was in prior to the loss.


Auto Insurance

Vehicle insurance is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Some states require a motor vehicle owner to carry some minimum level of liability insurance. The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored.

Health Insurance

The range of products within this field are similar or even the same whether the policies are being purchased by an employer or an individual. Self-employed individuals receive a tax deduction for their health insurance and can buy health insurance with additional tax benefits, most consumers in the individual market do not receive any tax benefit.

Group Health Insurance is great way for an employer differentiate the employment offer to ensure to keep either the key employees or all employees with a nice program of benefits. Group Health Insurance can become somewhat pricy for an employer, however these policies are eligible for tax write-offs which your accountant can inform you further about so in the long run it is a smart way of being able to tie your employees to stay with your business.


The Major Medical Individual Insurance can only be purchased between October 1st and March 31st every year. Even if a Major Medical policy was purchased prior to January 1st, the coverage will not become active policy until January 1st. If a client missed the enrollment window for the Individual Major Medical Insurance, this client still has another option to get insured, but through a so called Individual Temporary Insurance. These policies are usually more affordable, but with the difference that the coverage is not very broad and the insurance carriers do actually have the right to exclude people with pre-existing conditions.


Life Insurance

Life insurance can protect your family and your business interests from a financial disaster. That in combination with the right investment is a winning concept to stay safe and to financially secure yours and/or your family’s future. Generally speaking, there is three categories of Life Insurance applicable to both commercial and personal purposes; Term Life, Whole Life and Universal Life. Please, also look at the section with investment products for further information on life insurance.



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