OPTIONAL COVERAGE FORM

Please read the description of the optional coverage and accept or decline adding the coverage to your policy. These are optional coverage and are not part of your base policy. Any 'accept' answer will trigger a call from the agency concerning the coverage. Only mark accept if you want to add or discuss the coverage.

  • Pays the cost of labor done at the initial place of accident or breakdown along with towing, up to the policy limits.
  • Reimbursement for the cost of a replacement vehicle while your vehicle is being repaired as a result of a covered loss.
  • Most of us have had our windshield chipped by a rock coming off another vehicle while driving. Some of our carriers offer glass coverage with a low or zero deductible for a minimal increase in premium. This is a great option because if the chip spreads and the windshield need replacement it is generally an out of pocket expense because a windshield usually costs less than your deductible.
  • Provides reimbursement for covered expenses such as attorney's fees, lost wages, loan application fees, & other expenses. Coverage varies by company. (Est cost $30/year)
  • (SPP) is a convenient way to extend coverage for your valuable items such as: jewelry, furs, watches, silverware, fine artwork, computers, golf equipment and collectibles. These items have limitations on a base policy. This coverage is highly recommended for individual items valued over $1,000. (Average $9 per thousand scheduled)
  • A base homeowners policy does NOT cover damage to your home or personal property in the event of sewer or drain backup which overflows from a sump pump or similar system.
  • With all the uncertainty in today's health insurance market and an increase in people without health insurance it has become more common to hold higher medical payment limits on auto & home insurance policies.
  • Property insurance does NOT cover flood damage. You must obtain a policy through the Federal Emergency Management Agency (FEMA) if additional coverage is needed. We can sell and administer this policy for you!
  • A Personal Umbrella Policy provides additional financial protection beyond the base limits on you auto and home policy. There are minimum limits that must be met to prevent a gap in coverage.
  • Although earthquakes are not common in our area they do happen and can cause damage. "Earth Movement" is excluded from a homeowners policy by default. Click 'accept' below if you would like a quote for your home.
  • We strongly recommend that you meet with our in house life insurance expert or your agent. We offer many options to fit any need or budget.
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