Life happens. People s lives change on a regular basis. It is important to have the right insurance protection for everything that happens in your life. At GreenPoint Insurance, we will work to provide you with a broad insurance program at a competitive price. We will act as your insurance advocate. As an independent insurance agent we represent several of the top insurance companies in the country. This allows us to place you with the best insurance company for your particular needs. Below is a description of the most common personal insurance products we offer. We also offer many other personal insurance solutions for all your insurance needs.
For most of us our home is our most valuable possession. lf your home were damaged or destroyed, homeowners insurance can help you repair or rebuild your home and replace your furniture, clothes and other items. The purpose of homeowners insurance is to protect you against losses you cannot afford. A homeowners insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or their property. You can also add additional coverages such as personal injury or identity theft to create a homeowners policy that best fits your needs. Other types of homeowner related policies available include renters insurance, mobile home, condo insurance, flood, and earthquake.
An auto insurance policy is a combination of several coverages combined into one policy. You get to choose how much you want. Each coverage provides you with protection against different types of losses. Auto insurance can cover but is not limited to the following: bodily injury, property damage liability, medical payments, uninsured / underinsured motorist liability, collision, comprehensive or other than collision, rental reimbursement and towing and labor. Other types of auto related policies available include motorcycle, boat, ATV, RV/I motor home. classic car, and golf carts.
Insurance for rental property is commonly called dwelling fire insurance. A dwelling fire insurance policy protects a personal residence that you own but do not occupy. This policy provides property and liability coverage for you as the owner of the property. It can also include coverage for loss of rental income in the event there is a loss that prevents you from renting the property for a period of time.
Imagine what would happen if you were in a severe auto accident and the limits on your auto policy were not enough to pay for all of the damages or injuries. How would you pay for it? A personal umbrella policy provides coverage for situations like this. An umbrella policy provides an additional layer of protection above your home, auto or other types of personal liability insurance policies. An umbrella is sold in $1 million increments and cost is minimal compared to the coverage provided.