Personal Insurance
There are many types of insurance for personal and family needs. Certain coverages are required by law, landlords, or mortgages. Other coverages are beneficial in a pinch. Whatever the reason, the licensed agents at Vie Insurance will find and manage the coverages you need at the lowest prices.
Personal Insurance
Insurance for individuals and families is complicated. There are many different kinds of coverages. Some of these are required by law or other entities, like banks or landlords. Understanding which kind of coverages are needed can be daunting. It is even harder to compare insurance carriers, like Progressive or Allstate, with each other. All of these decisions can come at a heavy price. Whether you have a loss and find out it is not covered under your current policy or you are simply paying more than necessary, you may be greatly affected. Vie Insurance can ease these pains.
Our licensed agents shop around to find the coverages you need at the lowest rates. After activating those policies our service department will ensure that your information is up to date and your insurance costs remain low. If there is a large price jump between policy terms they will check the market for a cheaper option. Our service agents will also promptly effectuate any changes that need to be made over the policy term.
Types of Business Insurance
Here is a list of a few common types of commercial insurance:
In the United States it is required by law to have auto insurance before driving a vehicle. Each state has different legal minimum coverages and limits. Auto coverages can be broken down into three groups:
- Liability – This covers any damage to property or injuries inflicted on others while you are driving. It is commonly required by law.
- Collision – Covers damage done to your vehicle while you are driving.
- Comprehensive – This covers your vehicle from theft and damage inflicted on it while it is parked.
Homeowners policies vary greatly depending on the needs of the individual, any mortgage companies or banks involved in the closing of the home, the perils (causes of damage, e.g. a storm) covered as specified by the policy, and the value of the home. These policies may cover damage to and loss of the house itself, the personal property within (e.g. furniture), or both.
These policies are similar to homeowners policies, but they generally only cover the personal property (e.g. furniture) of the policy holder. This may be required in the lease agreement by the landlord.
