Personal Lines

Personal Lines Coverage Consists of Two Main Polices Auto and Homeowners Polices

What is auto insurance?
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you. As an Independent Insurance Agent we have many companies to fit your needs!

Our Auto Companies include: National General, Progressive, Infinity, Dairyland, Victoria, Hartford, Star Casualty, Titan, Gainsco, Mendota and Foremost.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

As and Independent Agent we have many companies to fit your needs they include Heritage P & C, Universal P&C, Homeowners Choice, Citizens, Universal North American, Cypress, United, Federated, Southern Oak, Elements Property Insurance, and Security First.

 

Other Personal Lines Coverages Include: Life and Heath, Motorcycle, Boat, other Watercraft and Aircraft.  At SJR Insurance we are able to insure any and all of your personal exposures. 

Flood Insurance: For more information about our flood insurance products go to www.theprivatefloodinsurance.com
       
Life and Heath:  At SJR Insurance we understand that Life, Health and Retirement planning can seem complicated and overwhelming.  Let us help you properly prepare for the "what ifs" in life, from income and mortgage protection to business Buy-Sell funding and Executive Carve Out plans.  The Plan we build for you is tailored to your circumstances.  And when it comes to retirement we'll show you how to retire the way you to, and take the stress out of your golden years no matter what the market does!
For Life and Health products contact Erik Potter at 321-264-2434 Ext 2

Motorcycle:  Let SJR Insurance be your motorcycle insurance expert.  Here at SJR we represent the leading insurance carriers in the motorcycle field.  We represent Progressive, National General and many more.