Individual Insurance Options

How Does Homeowner’s Insurance Protect You?

• Coverage for the structure of your home.
• Coverage for your personal belongings.
• Liability protection.
• Pay for a place to live if you are temporarily unable to live in your home due to a covered loss.

Auto Insurance

How Does Auto Insurance Protect You?

• Property coverage pays to fix your vehicle if it is damaged or stolen.
• 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.

Maine requires that you have certain types of coverage with minimum liability limits.  Talk to your agent about the type of coverage that is right for you.

Disability Insurance

How Does Disability Insurance Protect You?

Your greatest asset is your ability to earn a living.  Think about it—what would become of you and your family if you suddenly became disabled and were no longer able to work?

By replacing a portion of your income, disability insurance can play a crucial role in helping you manage your financial needs if a disabling illness or injury occurs.

Renter’s Insurance

How Does Renter’s Insurance Protect You?

Your landlord insures the building in which you live. However, it’s up to you to protect what is inside your apartment.  As a renter, you need insurance to cover your personal things, such as clothing, furniture or electronic equipment.

Plus, renter’s insurance protects you if someone gets hurt in your apartment or breaks something.  For example, a friend visits your apartment and trips over a rug, breaking an arm.  Not only may your renters insurance cover the medical costs (depending on the policy) but also the cell phone your friend broke when tripped.