LPH

05/04/2016

A new event in your life like a birthday or a new car can make your rates change. Call us for a review and see if we can lower your rate. Phone: 305-255-8020

05/04/2016

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, hurricanes and poor maintenance. You must buy a separate policy for flood coverage. Maintenance-related problems are the homeowners’ responsibility.

03/17/2016

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

03/17/2016

02/25/2016

Why do we need insurance?

Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so it can grow, and pay out when there’s a claim.

Insurance helps you:
Own a home, because mortgage lenders need to know your home is protected
Drive vehicles, because few people could afford the repairs, health care costs and legal expenses associated with collisions and injuries without coverage
Maintain your current standard of living if you become disabled or have a critical illness
Cover health care costs like prescription drugs, dental care, vision care and other health-related items
Provide for your family in the event of a death
Run a small business or family farm by managing the risks of ownership
Take vacations without worrying about flight cancellations or other potential issues

02/01/2016

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.

Call me and lets see what I can do for you.

02/01/2016

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.

07/08/2015

Happy Wednesday to all! Don't forget to call us for your free quote!

03/24/2015

Insurances we offer
Auto
Homeowners
Commercial
Rental
Flood
General Liability
Boat
Workers Comp
SR22’s and FR44’s
Contact us for a quote Phone: 305-255-8020
Fax: 305-255-8022
Email: [email protected]

03/23/2015

Get your quote today

Insurances we offer
Auto
Homeowners
Commercial
Rental
Flood
General Liability
Boat
Workers Comp
SR22’s and FR44’s

03/16/2015

Insurances we offer
Auto
Homeowners
Commercial
Rental
Flood
General Liability
Boat
Workers Comp
SR22’s and FR44’s