THERE IS MORE TO INSURANCE THAN THE PRICE OF THE POLICY

We know that your home is a major investment that you will want to protect should anything disastrous happen. Homeowners insurance provides financial protection against various disasters. A standard policy allows you to protect your home and the things you keep in it. Since homeowners insurance comes as a package policy, it covers both damage to your property as well as your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people, including damage caused by household pets.

Because your home is likely one of your biggest investments, it is important to protect yourself financially if something unexpected happens to your home or possessions.

• If your home was destroyed by fire or damaged by a natural disaster, you’ll need money to repair or replace it
• If a guest in your home is injured, liability protection and medical coverage help pay expenses
• If you are a victim of theft or vandalism, it can reimburse you for your loss or pay for the repair
• If you are still paying for your home, your lender will require insurance

Though your insurance policy is there to cover unexpected damage, it is not meant for routine maintenance… Be sure to talk to your agent about what is included in your policy.

There are a few things you should discuss with your agent that might influence your decisions:

• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
• Does the insurance company have a good reputation for customer service? Are they known for paying claims fairly and promptly?
• Are there any discounts available?
• What is the process for filing and settling a claim?

Let us help you choose the right insurance coverage to protect you from the risks of the road… wherever you go. Auto insurance protects you against financial loss if you have an accident. Your auto insurance policy is basically 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.

Because auto repairs can be costly, it is important to protect yourself financially from any property damage, personal liability, or medical expenses from an auto accident.

• If you were in an accident or your car was stolen, you’ll need money to fix or replace it
• If you or any passengers are injured in an accident, medical costs can be extremely expensive
• If you or your car is responsible for damage or injury to others, you may be sued for more than you’re worth
• Many states require you to have at least some coverage

Be sure to ask your agent these questions about your auto insurance policy:

• How much can you afford to pay if you get into an accident?
• What is the insurance company’s level of service and ability to pay claims?
• Are there any discounts available?
• What is the procedure for filing and settling a claim?

As the name suggests, commercial insurance protects businesses, including business owners and their employees. Because every business is different, there is no one-size-fits-all insurance policy for small business owners. Business owners also have the option to choose coverage based on their industry.

At Deppas Insurance Agency, we strive to be a trusted business advisor. We begin with identification, evaluation, and measurement of risk. Using an audit process, we develop a clear understanding of your organization’s operations, exposure, and risk profile. In order to design the most appropriate, comprehensive, cost-effective program, a complete understanding of your daily business operations, challenges, and opportunities is essential.