Personal Insurance
 Heber Insurance's Personal Insurance products provide our
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.
Heber Insurance provides the following types of
personal insurance protection:
Personal Auto
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.
Auto Insurance Quote
Boats / Marine
Can
you be sure all boaters on the water today are as safety
conscious as you? And could you afford out-of-pocket
expenses of $4,500 or more? That’s just
the average cost for a boating accident. Now
is the time to give serious consideration to protecting
yourself, your passengers and your property in case
you’re ever involved in a boating accident.
What does boat insurance cover? Insurance needs differ
depending on the type of boat or watercraft you own.
Basically, boat insurance protects you against accidents,
vandalism, and insures you against liability.
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
Motorcycles
Whether
you’re an enthusiast or a first-timer, having fun, being
responsible and being safe is what it’s all about. Being
responsible includes finding the right insurance.
Motorcycle insurance is a way of sharing the risks
of driving between you and your insurance company. The
way it works is simple. You pay a set premium to an
insurance company for coverage. In return, the company
promises to pay for specific financial losses that might
occur during the term of the policy.
Most people rely on motorcycle insurance to protect
themselves against loss in case of an accident. In many
states, you must carry basic insurance to cover the
cost of losses you cause to others in an accident. If
the unexpected happens, insurance gives you peace of
mind in knowing you are protected.
We have a variety of motorcycle policy options to meet
your needs.
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 - Please
Call
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