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Insurance policies are put in place to ensure that you, your belongings, and your finances are protected from perils. Any type of accident can cost an extreme amount of money if you are found at fault, it could even take your entire savings and some possessions to pay for damages you cause.
Home insurance is usually referred to as homeowner's insurance. If your house is financed, your lender may require you to have this type of insurance. It is a great idea to maintain insurance on your home in the case of various perils. Home insurance covers the dwelling of your home, its contents, other buildings on your property, and accidental coverage. This policy protects you in the event of a fire, hail damages, storm damages, tornadoes, theft, and burglary. It also has liability coverage for you if you cause injury or property damage to another and can pay for court fees.
If you are renting a house or apartment, renters’ insurance will protect all of your possessions inside of your dwelling from all of the perils that are listed in your policy. It also includes liability payments to anyone that is injured in your dwelling and their medical bills.
In the states of Mississippi, Alabama and Tennessee, you are required to have liability coverage to operate a vehicle, RV, or motorcycle on public roadways. In addition, you can purchase extra insurance from Insurance & Financial Services, LLC to cover damages in the event of an accident and medical coverage for yourself and your passengers when you purchase collision and medical coverage. These types of additional coverage offer you financial protection in the event of an accident and can prevent financial strains in the future.
Business owner's carry commercial insurance on their business for liability. It will cover medical expenses if anyone is hurt on their property and it may also cover property damages, company products, and independent contractors. This policy will pay out in these cases since the owner is liable for injuries.
A life insurance policy will give your family peace of mind in the event of your death. It pays money to the beneficiary on your policy to help them with final expenses and to provide a cushion in place of the income you provided for your family.
Each kind of insurance policy may have additional coverage in the form of riders attached to it in Mississippi, Alabama and Tennessee. We, at Insurance & Financial Services LLC, realize that the specifics of any type of insurance can be confusing and we are here to help you with all of your insurance needs. You can use our online rating tool for home and auto insurance or give us a call or stop by the office to speak to one of our knowledgeable agents. We want to make certain you have the right kind and amount of insurance coverage to protect all of your assets fully.