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INSURANCE SERVICES AVAILABLE:
Insurance
Available through HBI Insurance Services, Inc.
We
Offer Property & Liability insurance for:
- Home
businesses
- Retail
and service businesses
- Professionals
and office building owners
- Rental
property owners
- Trade
contractors
- Outfitters
- Lodges
Today, more and more people are conducting some type of business
from their homes and may not realize that their current insurance
may not adequately cover them. As a business owner, you can
have the protection you need in one modern, comprehensive
policy. HBI Insurance recognizes that businesses operated
from the home make up one of the fastest-growing segments
of the commercial market. Operating a business is a challenge
with many unique needs.
There are many option extras available that let you tailor
your policy to fit your own particular business needs. Contact
us today for your business property and liability insurance
quotes.
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Homeowners
Insurance:
A home is more than just a house. It is your family center
and a place where you keep your most valued treasures. Chances
are that your home is your greatest asset. You need to protect
it.
The major coverage in your Homeowners Policy should include:
- Coverage A – Dwelling
This coverage protects the structure of your home for such
perils as wind or fire.
- Coverage B – Other Structures
If you have detached structures such as a garage or tool
shed, this coverage protects them.
- Coverage C – Personal Property
This coverage protects your belongings. Furniture, appliances,
clothing, and similar property are covered up to a percentage
of your Coverage A limit.
- Coverage D – Loss of Use
Loss of Use pays for the extra cost of living if your home
is not habitable due to an event covered by your policy.
- Coverage E – Personal Liability
Personal Liability protects you from claims against you
for injury to others or their property.
Contact HBI Insurance to review
your current home owners policy or to obtain a new quote for
coverage. You'll be glad you did!
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Auto
Insurance
Your auto insurance is really a package of several primary
coverages that, together, make up a standard auto policy.
- Bodily injury liability provides protection if you injure
or kill someone while operating your car. This is coverage
you want to keep at a consistent level, even as your car
gets older and declines in value. In the event of a serious
accident, you want enough insurance (higher limits) to protect
assets that may become subject to a lawsuit.
- Medical payments, no-fault or personal injury insurance
usually pays for the medical expenses of the driver and
passengers in your car.
- Uninsured motorists protection will pay for your injuries
caused by an uninsured driver or, in some states, a hit-and-run
driver, in a crash that is not your fault. Given the number
of uninsured motorists driving on our highways today, this
is very important coverage to have, even in states with
no-fault insurance.
- Comprehensive physical damage insurance coverage will
pay for damage to your auto if it is stolen, or damaged
by flood, fire, animals, or other covered perils.
- Collision insurance pays for damage to your car when your
car hits, or is hit by, another object.
- Property damage liability provides you with protection
if your car damages another person's property.
- Rental car reimbursement coverage helps pay the cost
of renting alternate transportation if your auto is disabled
in an accident.
Contact HBI Insurance today to
discuss an auto insurance policy tailored to your needs. We
can underwrite policies for automobiles, recreational vehicles,
boats, jet skis, motorcycles and more.
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Health
Insurance
Choosing a health plan can be a confusing experience. Although
there is no one "best" plan, there are some plans
that will be better than others for you and your family's
health needs.
There are several things to consider, each with their own
unique set of questions. By considering the questions thoroughly,
you will arrive at the right plan for you and your family.
- How affordable is the care (cost of care)?
- How much will it cost me on a monthly basis?
- Should I try to insure just major medical expenses or
most of my medical expenses?
- Can I afford a policy that at least covers my children?
- Are there deductibles I must pay before the insurance
begins to help cover my costs?
- After I have met the deductible, what part of my costs
are paid by the plan?
- If I use doctors outside a plan's network, how much more
will I pay to get care?
- How often do I visit the doctor and how much do I have
to pay at each visit?
- Is the prescription medication which I need covered by
the plan?
HBI Insurance can help you decide which health insurance
plan will be best for you and your family. Contact
us today for a confidential quote on health insurance.
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Life
Insurance
Even if you’re on your own for the first time, just
getting married, starting a family, or simply enjoying retirement
– life insurance can help provide monetary death benefits
to those you designate as beneficiaries. Life insurance is
a crucial step in planning for your future. Not only can life
insurance fulfill promises made to your family if you are
no longer around, there are several life insurance plans that
provide benefits while you are living. Some life insurance
products combine death protection and savings. These products
can be useful during your lifetime, not just after it. They
can help you achieve your financial goals through cash value
accumulation, which can help with college or retirement savings.
To review life insurance policies available through HBI Insurance
Services, contact us today. We'll
work with you to determine what kind of policies are best
suited to you, your family and your future.
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