Personal

How much coverage do you need?

Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we’ll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.

 

 

  • Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible.  Liability Property Damage covers damage to property and loss of its use.
  •  Medical Payments Coverage

How are you covered in case of an accident?

You are in an accident and are injured.  Having Medical Payments Coverage will give you peace of mind and pay reasonable and necessary medical and funeral expenses for covered persons.

How much coverage do you need?

The coverage is not required by most states, but it provides great coverage at an affordable price. The cost will correspond to the limits you select. There are no deductibles or copays, so this coverage can pay from the first dollar of incurred, covered expenses.

Collision Coverage

How are you covered in case of an accident?

Collision Coverage consists of the following:

  • Collision with another vehicle or object
  • Collision with an object
  • A vehicle rollover

How high should your deductible be?

The higher your deductible, the lower your premium.  However, how much are you willing to pay when a loss occurs to save money on premiums?  Contact us today to discuss your automobile deductible options.

Comprehensive Coverage

How are you covered in case of an accident?

Comprehensive coverage helps pay for loss or damage to an insured vehicle not caused by a collision or vehicle rollover.  Other perils covered under this coverage are as follows: it may be subject to a deductible.

  • Hitting an animal
  • Wind
  • Hail damage
  • Flood
  • Vandalism
  • Theft

Case Study regarding Comprehensive Coverage:

One of our customers’ vehicle caught fire one day while driving.  They pulled over and were able to exit the vehicle safely.  They were able to call the Fire Department who was able to extinguish the fire but significant damage to the vehicle’s engine compartment was already done.  The lowest repair estimate they received was $7,500 but their insurance policy had the Comprehensive coverage included so nothing was paid out of their pocket except their deductible.  Imagine if they did not have this coverage and had to pay everything out of their pocket.

How high should your deductible be?

How much are you willing to pay out of pocket for damage to your vehicle?  Purchasing a higher deductible policy saves you money on the front end but how much are you willing to pay in the event of a loss to your vehicle?  Give Crosswinds Insurance Agency a call today to discuss your automobile options.

Uninsured Motor Vehicle Coverage

Believe it or not, there are people who don’t carry auto liability insurance.  Some people carry the minimum limits available to satisfy their state’s insurance requirements.  There’s nothing wrong with this EXCEPT when the big accident occurs and there isn’t enough limit to cover all damages.  Uninsured Motorist Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance.

Underinsured Motor Vehicle Coverage

So you did the right thing and purchased an auto insurance policy with a limit higher than what’s required as well as Underinsured Motor Vehicle Coverage.  You also purchased the Underinsured Motor Vehicle Coverage that was a smart move.

Now imagine being in an accident where it’s not your fault and the other driver only carried minimal limits.  Your vehicle is totaled and you have to be admitted to the hospital for an extended period of time.

Underinsured Vehicle Coverage will pay for damages when you are injured in a car accident caused by another person who does not have sufficient liability insurance.  Lost wages, medical expenses along with pain and suffering are some examples of bodily injury damages.

Vehicle Rental and Travel Expenses Coverage

Your car is in the shop after a collision and you need to rent a vehicle. Could you afford to pay for a rental car yourself without this auto insurance coverage?  Purchasing Rental Reimbursement coverage under your automobile insurance policy pays the cost of renting a replacement vehicle so you don’t have to interrupt your daily routine.  Limits and daily allowances vary by state.  Give Crosswinds Insurance Agency a call today to discuss your options.

Emergency Road Service

How much can you afford to pay out of pocket for your vehicle to be towed?

Imagine being on the interstate and your car breaks down.  The nearest repair shop is 50 miles away and your only option is to call a towing service.  The towing service arrives and takes your car to a repair facility for repair.  Upon arrival, you receive a bill that is probably going to be high. If you have this coverage under Emergency Road Service within your auto policy, you will be reimbursed up to your policy limit.  If you don’t have this option, the money comes out of your pocket.  Give Crosswinds Insurance Agency a call today to discuss more options.

Your biggest investment whether you own or rent is your home, apartment or condo.  Why not make sure they’re protected in the event of a loss?  Contact Crosswinds Insurance Agency today to discuss insurance options that fit your budget.

 

Who Needs It?

Homeowners, Condo Owners, Manufactured Homeowners and/or Renters

When you rent or buy your home, your lender or lessor typically requires home property insurance to cover risk. Your Crosswinds Insurance Agent can help you identify your needs and choose the home property insurance policy to meet their requirements.

What is a Covered Property?

Generally, covered properties are divided into four separate categories. The definitions of the property, and the extent of coverage vary by state, company and product.  The four separate categories for your home, as defined by insurance companies, are:

  • Dwelling – The structure of the house
  • Other Structures – Structures that are separate from the house, or connected to the house by a fence, wire or other form of connection, but not otherwise attached to the dwelling.  An example is a tool shed or detached garage.
  • Personal Property – The contents of your home that includes furniture, appliances and clothing.  Not all personal property is covered.  Items more appropriately covered under different forms of insurance may have limited or no coverage for loss. These items include, but are not limited to, money, jewelry and firearms.
  • Loss of Use – When a loss occurs due to a covered peril and the dwelling becomes uninhabitable, the cost of additional living expenses is covered. Reimbursement of additional living expenses covers the cost to the insured for maintaining a normal standard of living.

*What about the following? Are they covered under my policy?

Earthquakes – Most property insurance policies exclude coverage for losses resulting from earthquakes but often cover losses related to fires following earthquakes.  Separate policies are typically required to ensure coverage against losses from earthquakes.

Flood – Most property insurance policies exclude coverage for losses resulting from flood. So unless you purchase a flood policy, you do not have coverage for flood losses.

Hail – Most property insurance policies provide coverage for losses resulting from hail.  Hail is a named peril, meaning for coverage to apply under a “Named Perils” policy, hail must be defined as a covered peril.

Hurricanes – Most property insurance policies provide coverage for losses resulting from hurricanes, except for flood loss associated with the hurricane.  If you are in a hurricane zone, you may be subject to a higher deductible for hurricane loss.

Tornadoes –Tornadoes may not be specifically mentioned as a covered form of loss but is an included peril.  It is included under the broader term of windstorm that includes tornadoes, straight-line winds and hurricanes.

Wildfires – All property insurance policies provide coverage for losses resulting from fires. Depending on the level of exposure, you may need to consider a higher deductible to obtain coverage, or keep it affordable. Most states have coverage available via the FAIR plan, or a JUA, if the voluntary market is not willing to provide coverage.

We have many insurance options for your boat.  From small to large, we can handle them all!  Ask us how bundling your boat insurance with home and automobile insurance coverage can save you money.   Whether your boat is on the coast or inland, we can assist you with coverage.

Normal coverage perils of boats:

Stranding Sinking Collision Fire
Storms Theft Capsizing Collision
Explosion

 

What type of property is considered boat property?

  • Equipment permanently attached to the boat
  • Oars
  • Electric trolling motors
  • Extra fuel tanks
  • Canopies
  • Anchors

Boat Liability Insurance Coverage
If you injure someone with your boat or damage their property, boat liability insurance can also protect you. It also provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft.  It includes bodily injury, property damage, and legal defense.

Similar to automobile medical payments, boat medical payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives, and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.

Additional Boat Insurance Coverage Available

  • Reasonable repairs: Covers repairs incurred to protect covered property from further damage
  • Newly acquired watercraft
  • Emergency service
  • Removal of Wreck