Renewals
Dwelling and Fire Policies
It is very important that you read through your current policy to make sure you have all the coverages you desire and/or need at this time. If you need a current copy of your declaration page, feel free to contact us at (410) 394-9000 or (423) 770-7480.
SOME of the coverages that MAY be available to you are as follows:
- Guaranteed Replacement Cost
- Personal Property Replacement Cost
- Scheduled Personal Property (Insuring items individually according to their specific value)
- Water Backup of Sewers and Drains
- Incidental Farming Personal Liability
- Personal Injury
- Farmers Personal Liability
- Special Computer
- Inflation Guard
- Refrigerated Property
- Credit Card Forgery
- Identity Theft
- Increased Mold
- Equipment Breakdown
- Earthquake or Sinkhole
- Matching Roof
- Matching Siding
Please note that other coverages in addition to those listed above may be available to you. Please check with your agent if you have questions about other coverages that may be available. Please also note that some of the coverages listed above are available in differing amounts, offering various degrees of coverage.
Please let us know if you have any questions about the coverages listed above, the coverages you currently have on your policy, or if you would like to add any additional coverages to your policy.
If you have not already, you may wish to consider purchasing a personal umbrella policy. This type of policy offers an additional layer of protection against liability claims in million dollar increments above your standard personal auto and homeowners policies.
Your current policy will automatically renew as long as payment of premium is received by the insurer prior to expiration and you have met all the underwriting requirements.
Vehicle and Boat Policies
It is very important that you read through your current policy to make sure you have all the coverages you desire and/or need at this time. If you need a current copy of your declaration page, feel free to contact us at (410) 394-9000 or (423) 770-7480
SOME of the coverages that MAY be available to you are as follows:
Auto
- Bodily Injury / Property Damage
- Medical Payments
- Personal Injury Protection
- Uninsured / Underinsured Motorists
- Comprehensive
- Collision
- Towing and Labor
- Rental Car Reimbursement
- Additional Equipment (Covers permanent equipment not installed by the original manufacturer)
- Business / Artisan Use
- OEM Coverage (Guarantees the use of factory parts when available)
Boat
- Hull Coverage (Actual Cash Value or Replacement Cost Value)
- Machinery Repair or Replacement Cost
- Salvage Cost
- Total-loss Insurance
- Watercraft Liability
- Medical Payment Option
- Uninsured / Underinsured Watercraft Protection
- Replacement Cost Available for Inboard Machinery or Outdrive
- Personal Effects
- Fishing Equipment
- Towing and Assistance
- Trailer Coverage
Motorcycle
- Comprehensive
- Collision
- Liability Coverage
- Medical Payments
- Safety Apparel Coverage
- Optional Equipment
- Increased Limits on Liability
- Uninsured / Underinsured Motorist
- Increased Limits on Optional Equipment
- Towing and Roadside Assistance
Off-Road Vehicle
- Comprehensive
- Collision
- Liability Coverage
- Medical Payments Coverage
- Safety Apparel Coverage
- Increased Limits on Liability
- Optional Equipment Coverage (Including towable trailers or sleds made for use with an ATV or snowmobile)
- Coverage on Transport Trailers (Valued at up to $5000)
Please note that other coverages in addition to those listed above may be available to you. Please check with your agent if you have questions about other coverages that may be available. Please also note that some of the coverages listed above are available in differing amounts, offering various degrees of coverage.
At this time, please check your policy to make sure you have the coverages you desire and/or need.
Your current policy will automatically renew as long as payment of premium is received by the insurer prior to expiration and you have met all the underwriting requirements.