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PERSONAL
INSURANCE QUOTES
Automobile
Homeowners
Motorcycle
Renters
All Other Quotes
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PERSONAL INSURANCE OVERVIEW
Berger & O'Neal's Personal Insurance
products provide customers with protection for their homes, automobiles
and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we
listen to you ... we discuss your needs and answer your questions.
Next, we look at both your short-term and long-term objectives
and help put your insurance and planning needs in perspective.
Berger & O'Neal provides the following types of personal
insurance protection:
AUTOMOBILE (PERSONAL)
This coverage has two parts. The first is the
liability section of the policy. It covers your financial responsibility
for injuring others and some coverage is required by most states.
The second part covers the car itself: comprehensive coverage
reimburses losses from fire, theft or other perils; collision
coverage pays to repair losses caused by an accident. Often this
coverage is mandated by leasing companies or banks. There are
also ancillary medical, car rental and other coverages which vary
by state.
Utilizing high deductibles on the physical damage coverages can
help reduce premiums. If you carry umbrella insurance, you must
be sure that you carry the required amount of basic liability
insurance to avoid a gap in coverage for a serious accident.
Automobile Insurance Quote Form
CONDO
Your condo is probably the single most important
investment you have. So you want the best protection at a reasonable
cost. With our policy, you'll get broad coverage for your condo
and personal belongings. . . even your boat! And take advantage
of special safety discounts, too.
For just pennies a day, get special protection for valuable items,
electronics and more. You can also combine your condo and auto
insurance into one package that can save dollars, while providing
extra coverage.
FLOOD
Did you know that your homeowners insurance
does not cover flood damage? Insurance against flood must be separately
obtained. A flood insurance policy also reimburses you for the
work that you and other family members did to sandbag your homes,
move furniture and remove debris.
FEMA's maps are important when it comes to
flood insurance because if they show that your home sits in a
100-year flood plain, you must buy federal flood insurance in
order to get a mortgage. If you live outside a high-risk zone,
or if you no longer have a mortgage, flood insurance is optional.
HOMEOWNERS
If you have tangible assets, you need the protection
of a homeowner’s policy. These policies cover you in a home or
an apartment, whether you are an owner or a renter. A well-written
homeowner’s policy will pay to replace any of your personal property
that is destroyed in a fire or other disaster. The policy will
also be your first line of defense against a lawsuit from someone
injured at your home.
The cost of this coverage is determined by many rating factors.
The quality of the coverage, however, is determined by the quality
of the insurer and whether the policy is written on a named perils
or all-risk basis. A named-perils policy covers only those losses
specifically cited in the contract. The all-risk policy works
the opposite way -- unless a peril is specifically excluded, coverage
is provided. The all-risk policy is broader and the burden of
proof is on the carrier not you in the event of a loss.
Homeowners Insurance Quote Form
MOTORCYCLES
We offer a rate for nearly every rider and
every cycle, which include ATVs. We offer a range of coverages,
from liability to comprehensive to uninsured motorist and can
quote a rate for every risk.
Motorcycle Insurance Quote
Form
PERSONAL UMBRELLA
You don’t have to be a millionaire to be sued
like one. Million-dollar judgments against individuals for negligence
are still relatively rare. However, receiving a lawsuit with a
million-dollar demand is more common. If you receive such a court
summons and you have only $100,000 of coverage, you may lose a
lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types
of negligence claims. Automobile accidents are probably the most
common source of serious claims. This policy supplements your
basic automobile liability with extra million-dollar layers of
protection. It also covers other types of catastrophic claims
such as a neighbor’s child drowning in your pool or the delivery
man being seriously injured by falling over your child’s toys.
RENTERS
As a renter, you need to protect your personal
property against theft and damage. Our renters insurance is hard
to beat for convenience and value. Plus, we'll assure you the
peace of mind you need for your valuable items and electronics.
Renters Insurance Quote Form
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