When your car has been damaged, it’s enough of a headache. So you don’t need another one when it’s time to work with your insurance company. We are drivers too, so we know what it is like to worry if you don’t have the coverage you need. Trust the experts at Sellman Insurance Group to get it right.
Auto policies are required by law. All states require you to carry a certain level of auto insurance. In addition to the legal requirement, most lenders require borrowers to have full coverage protection. This insurance will also assist you in protecting yourself and your family financially should an accident or some other events befall you as a driver.
Those who have been victimized by severe flooding can attest to the devastation that is one can be left with in the aftermath of such a tragedy. This devastation will often include homes, businesses and all that lies within. If you happen to reside in a zone that is designated as high risk for flooding, it is vital to obtain good flood insurance.
Buying a condo home can be a terrific way to get your toe wet in owning real estate. Condominiums generally cost far less than a typical single-family home and will also require less maintenance on the part of the homeowner. This all being said, buying a condo home will likely be your biggest investment, so it makes sense to protect it with good condo insurance coverage.
Earthquake insurance coverage is essential in order to protect your property from damage likely to occur in the event of seismic activity. These policies are generally limited to coverage for such events (earthquake) and therefore it is highly suggested that you familiarize yourself with all the details of intended policy coverage.
Many decide upon the kind of coverage that can contribute to the costs of rebuilding should the house be destroyed in a shaker of disastrous proportions. Of course, one’s premium costs are directly related to the region in which the property is situated. Premiums will be higher in locations closer to a fault line, other buildings, density, etc…
Without proper insurance coverage, it only takes one accident to make the dream of home ownership a nightmare. A home is usually the largest purchase an individual will ever make. It makes sense to want to protect such a grand purchase with the right insurance coverage.
Homeowners insurance is specifically designed to protect your home and the possessions within it from the results of unexpected events that cause loss. Usually this will include fire, theft, and accidents. And quite important is the fact that this kind of insurance can also aid in the protection of your financial solvency should someone be injured on your property and file a lawsuit against you.
Umbrella coverage is extra liability insurance that goes beyond the policy limits of your auto or homeowners insurance protection. If your existing liability coverage isn’t enough to fully compensate someone’s damages for which you were at fault, whether it is from a motor vehicle crash or accident in your home, this is where umbrella coverage steps in to avert potential disaster.
Riding motorcycles can create a sense of oneness with the highway along with unbridled freedom. However, the benefits are often outset by the fact that there are great risks of having accidents. This is precisely why good motorcycle insurance coverage can be so necessary. This kind of insurance is also mandated by states to ensure that riders can meet their financial obligations if injury or damage occurs while using a motorcycle. This coverage is what protects motorcyclists should they be involved in an accident or experience theft and other forms of loss or damage. That which is covered includes normal motorcycles, mopeds, sport bikes and cruisers, motocross types, and so on. This coverage is for all who own motorcycles or similar two and (even three) wheeled vehicles.
This type of insurance is engineered to protect a residential property from any damage that may occur as a consequence of natural events or by some kind of man-caused action. The normal policy will protect the policyholder’s major structural aspects of his or her property such as the foundation, plumbing, doors, windows, roofs, and more. Also, any exterior builds like fences, gates or walkways can also be covered under this kind of insurance plan.
Moving into your own place for the first time is a life changing event or it is simply a move into a new city or perhaps a step up. Keep in mind however, that it is also important to think of how you might fare financially should an accident or some other loss-causing event occur that results in financial harm. By buying good renters insurance, you can help keep your rental home safeguarded while also saving over the long term should the unexpected ever occur.
Enjoying a get-away with family and friends at the local lake is part and parcel to many in making fond memories. However there is always the possibility of an accident ruining what is meant to be a time to cherish. Good boat insurance can be a deciding factor in turning a holiday gone rogue into something far less troublesome and therefore manageable. Taking the step in ensuring that you are properly covered can protect you and your family financially from any of a myriad of potentially vacation (and life) destroying liabilities.
What is this coverage?
Boat insurance is just what the name obviously suggests; it covers you and your boat against potential legal claims and other loss-inducing events whether your boat is on land or in the water.
Recreational Vehicle Insurance
Good Recreational Vehicle insurance (RV insurance) allocates protection for those who own and also operate an RV. It also gives help to the insured for any accidents or other various covered events that can result in partial or complete destruction of an RV and what lies within. Both natural events and human actions can activate this coverage. As a result of proper coverage, your RV can be repaired or replaced, thus getting you back on the road and vacationing once again in little time.
Hagerty is a specialty insurance tailor made for classic/collector vehicles.
Sellman Insurance Group offers a consultative approach to your full line of personal or business insurance needs.
We have been proudly serving the Urbana/Champaign County area since 1947, and we are passionate about our local community.
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