|
Homeowners
Protection
Buying a home is the biggest investment a family will ever make.
That is why it is so important to have adequate coverage to protect
your home. Schachte and Gosnell Insurance carries many different
policies that will fit your families needs. Policies we offer
include protection against: |
| |
|
- Fire, smoke, explosion.
- Lightning, wind,
hail.
- Riot, vandalism,
civil commotion.
- Theft, burglary,
robbery.
- Weight of snow,
sleet, and ice.
- Bursting of heating
or hot water systems.
- Scheduled personal
property - jewelry, silverware, musical instruments, personal
computers, watercraft, recreational vehicles and furs.
|
FLOOD
|
Fact
or Fiction:
|
|
|
|
Floods
don't strike twice . . . or do they?
|
Your Homeowner's
Policy Isn't Enough
Losses due
to flooding are not covered under most homeowners policies. You can,
however, protect your home and its contents through the NFIP, if your
community is participating in the program.
Flood insurance
is available on almost any enclosed building and its contents. This
includes homes, condominiums, mobile homes on foundations, businesses
and farms. The contents of a rental unit are also insurable.
Flood Insurance
pays claims whether or not the government declares a disaster. Don't
wait until disaster strikes. In most cases there is a waiting period
before flood insurance coverage takes effect.
We can determine
your liability and advise you of the requirements.
We represent
companies participating in the National Flood Insurance Program. To
find out more about flood insurance, give us an e-mail.
|
Other
coverages we write include but are not
limited to are:
Boats • Jet Skis • Recreational
Vehicles
Hurricane and Earthquake Coverage
Flood Insurance
Personal/Executive • Umbrella Coverage
|
|
|
Personal Umbrella
Liability
Soaring litigation
in our society means you must take extra precaution to protect
your family, your assets, your lifestyle.
A Personal Umbrella
Liability policy is designed to protect you against soaring
legal judgments. And if you are not at fault, the legal fees
alone for defense can set you back for life.
This policy adds
a million dollars (or more) to your present liability coverage.
Your basic policies such as auto, home, boat, etc.; provide
liability insurance. But the limit of protection could be inadequate
in the event of a large lawsuit.
- Do you own your
home?
- Do you participate
in sport activities, like golf?
- Do you entertain
or host parties?
- Do you drive an
automobile?
- Do you own a boat
or snowmobile?
- Do you own a pet?
Any yes answer to
these questions means you could be the target of a lawsuit which
could cost you millions of dollars. Don't risk losing everything
you own.
Ask us about a personal
umbrella policy to provide the extra protection needed to prevent
the loss of your lifestyle.
Many other optional
coverages are available. Schedule an appointment today to speak
with a Schachte and Gosnell Insurance agent to find out which
policy is right for you. (Some coverages not available in all
states.)
Besides homeowners
insurance, automobile insurance is one of the most important
coverages you will have. Also, most states require you to at
least carry liability insurance. The agents at Schachte and
Gosnell Insurance will sit down with you and discuss the policy
that is right for your circumstance. We offer coverages to suit
most budgets and needs. Standard coverages we offer are: bodily
injury, property damage, comprehensive, collision, medical payment.
Additional Coverage we offer:
|
| |
- Uninsured Motorist
- Underinsured Motorist
- Road Trouble
Service
|
- Additional Expense
Coverage
- "Drive Other Cars"
Coverage Extension
|
| |
|
| Ask your
agent about possible premium discounts for items such as: |
|
- Multi-Car or
Multi-Policy
- Airbags
- Safe Driver
Record
- Good Student
Discount
- Mature Driver
Discount
|
| |
| Schachte
and Gosnell Insurance would like to offer you these tips if you
are involved in an auto accident: |
|
1.
|
Stop immediately,
but do not obstruct traffic.
|
|
2.
|
Assist
injured. Have someone call police. Repeat after 5 minutes.
|
|
3.
|
Secure
names, phone numbers, and addresses of other drivers, witnesses,
and injured persons. |
|
4.
|
Secure
make, model, and license numbers of all cars involved. |
|
5.
|
Make
rough drawing of scene, showing position of cars and other
details. |
|
6.
|
Don't
hastily accept claim settlements at scene of accident. |
|
7.
|
Remain
calm, courteous, and consistent in your version of accident.
|
|
8.
|
Notify
your insurance agent as soon as possible. |
|
| |
|
|
| |
|
|
