Auto insurance is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle.
Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy will cover things like the structure of your home, replacement costs in case of damage and more.
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure.
Bundling means having multiple policies with the same provider. The Pros for bundling your car insurance with your home or renters insurance are clear. The biggest benefit is that you can save up to 25% in contrast to having separate policies with different carriers. It's usually cheaper and more cost effective to bundle as many insurance policies as possible. Bundling your insurance policies typically qualifies you for multi-policy discounts and also provides convenient billing often with one monthly bill.
Home insurance, also commonly called homeowner's insurance is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner.
Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside.
Renters insurance provides financial reimbursement to cover a tenant's lost or damaged possessions as a result of fire, theft or vandalism. It also covers your liability in the event that a visitor to your apartment is injured on the premises.
1. Evaluate your situation.
Before choosing a policy you should consider how much coverage you need for yourself, your car and/or your home... and how much coverage you can afford.
2. Shop Around.
You should shop around with different car insurance companies before choosing an insurer, one insurer might offer you a cheaper rate for the same amount of coverage.
3. Or Contact AIS (so we can do it for you).
Click Contact AIS to fill out a form with your info so we can provide a helping hand and guide you through the process. We represent your interests to the big insurance carriers so you get the best rates.
Yes, you're free to change Insurance companies.
Business insurance, sometimes called commercial insurance, helps protect a business's assets, property and income. A business owners policy (BOP) is the most common policy for small businesses. A BOP typically includes three basic types of coverage to help protect a business: business property coverage, general liability coverage and business interruption coverage. Businesses could also elect for Worker's Compensation Insurance, General Liability and Professional Liability Insurance.
1. Assess your risks.
Think about what kind of accidents, natural disasters, or lawsuits could damage your business. If you need help, the National Federation of Independent Businesses (NFIB) provides information for choosing insurance to help you assess your risks and to make sure you've insured every aspect of your business.
2. Find a reputable licensed agent.
Commercial insurance agents can help you find policies that match your business needs. They receive commissions from insurance companies when they sell policies, so it's free for you to use their help but it's important to find a licensed agent that’s interested in your needs as much as their own. Call Almanzar Insurance at 978-891-3411 to speak with someone who can walk you through the process and help you get the best Business Insurance for your business or Click here to fill out a form and have someone get in touch with you.
3. Shop around.
Prices and benefits can vary significantly. You should compare the rates, terms, and benefits for insurance offers provided by your Insurance Agent.
4. Re-assess every year.
As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded operations, you should contact your insurance agent to discuss changes in your business and how they affect your coverage.