How Much Coverage Do I Need?
Insurance sits quietly waiting for a disaster to strike before it goes to work for you, therefore it is important to carefully consider and purchase what best meets YOUR specific needs and budget. Once a disaster strikes it is too late to find out that you did not understand the restrictions or limits in your policy. Call your Town and Country Insurance Agent today. You won't go wrong because "Our Service is the Difference".
Auto Insurance
- Blends comprehensive, collision, medical, liability and uninsured motorist coverage at varying limit amounts.
- A Personal Umbrella can provide additional liability protection for the wealthy.
- Collision covers damage to your car. Comprehensive coverage pays for your car if it is stolen or vandalized.
- If you use your car in your business or regularly take a carload of kids to soccer practice then additional limits should be considered.
Home Owners
- The cost to rebuild your home is its “replacement value”.
- It costs more to rebuild your home than to buy a new one—know the limits of your policy.
- Do you understand Home Replacement Guarantee or Extended Dwelling Coverage?
- Jewelry, earthquakes and/or flood, should be insured in addition to contents coverage (clothing, furniture, appliances etc.)
- Prepare an inventory of personal property items and keep it in a safe place outside your home, such as a safe deposit box.
Business Owners
- Are you required to offer Workers’ Compensation?
- Do you want to offer an Employee’s Benefits Package?
- Do your own your building or do you lease?
- What about the contents of your building?
- Do you have delivery vehicles?
- Do you understand Performance Bonds?
- Business Interuption?
Life
- Life insurance fulfills YOUR promise to protect your family in the event of your death
- The amount you need depends on your family circumstances
- Are you planning for retirement?
- Funeral Planning and Estate Taxes
- Reviewing your options is important to secure your financial future.
Long Term Care
- Long Term Care Insurance is not only nursing home insurance--You get care in your home
- Helps you retain/maintain your dignity!
- Your family is spared the stress of providing care--they can manage your care
- Saves your family from financial ruin by not depleting income generating assets
NOTE: The comments provided throughout this site are intended to provide general educational information. We do not offer legal advice or attempt through this medium to provide a comprehensive, detailed look at all the issues surrounding any one topic.