Dwelling Protection Covers damages to your home due to: hurricane, fire, lightning, smoke, storm damage or other similar perils. Extended Replacement Cost: Provides additional coverage up to 100% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.

Personal Property: Provides coverage for your personal and household items in the event of a fire, theft or other covered loss. Personal Liability Protection (PLP) Pays for bodily injury or property damage caused to others as a result of a covered incident.

Bodily Injury Liability Insurance Generally defined as a physical injury sustained to a third party. This includes illness, disease, pain and suffering, emotional distress, loss of income and death. Property Damage Liability Insurance Damage or destruction including loss of use of property.

The reduction in value is the measure of property damage. Collision Insurance Coverage is the impact of an automobile with another object or person outside the vehicle. It is coverage that pays for damage to your insured vehicle. This coverage is usually subject to a deductible. Personal Injury Protection (PIP) Coverage in which the auto insurance company pays, medical, hospital and funeral expenses of the insured person. This coverage is usually subject to specific limits.

General Liability Policy commonly covers Bodily Injury – Injuries to individuals for which you are liable defense Costs – Lawsuits against your company regardless of faulty medical Payments – A bodily injury that occurs during business operation Personal & Advertising Injury – Claims of slander and libel that are not part of your businesses’ professional services Property Damage – Damage to property Insurance – Whether you own local commercial real estate or run a home-based business, property insurance protects your assets, equipment, and furniture inside it. The Small Business Administration Sole proprietors, partnerships, S-Corps, and Corporations all need insurance, and a common myth is an LLC protects you against any and all liability. Contact ACCH Insurance Agency and speak to a qualified insurance agent who can help you review your current business insurance, find out if you are paying too much for insurance or determine what type of commercial insurance policy you may need to purchase for your business.

What is Flood Insurance? Flood insurance does not cover water-related damages from other causes (such as leakage/seepage claims) or damage caused by wind-driven rain. Purchasing flood insurance will help protect the things you value.

A flood insurance policy covers two types of property: the structure of .your home and the contents This distinction is made because each has their own deductibles and limits, respectively. Note that flood insurance policies do not cover the land your home sits on. The coverage for the structure of your home typically includes: Foundation Electrical and plumbing Central air systems and furnace Water heaters Refrigerators, cooking stoves, and built-in appliances Permanently installed carpeting over an unfinished floor.