POLICIES YOU NEED AND WHY YOU NEED THEM

We get it. Understanding personal insurance can be overwhelming. IZC Insurance Agency has trained professionals ready to explain the different policies and coverages you might need and help you feel confident when buying your personal insurance policies. Below are some facts to get you started, but as always, we are here to help.

HOMEOWNERS INSURANCE POLICIES

Homeowners insurance policies provide coverage for your home and personal property in the event of unexpected events such as natural disasters, theft, and other covered perils. The policy typically covers damages to the structure of your home, as well as personal belongings within it, liability protection if someone is injured on your property, and additional living expenses if you are forced to move temporarily while repairs are being made to your home. Homeowners insurance policies may vary depending on the specific coverage and the insurer, but they typically include standard coverage for dwelling, personal property, liability, and additional living expenses.

If you are buying a new home, or thinking of making a switch, IZC Insurance Agency and our team of insurance experts are ready to shop multiple carriers to find you the best prices and the best coverage.

AUTO INSURANCE POLICIES

Auto insurance policies provide coverage for your car, truck, or other vehicles in the event of accidents, theft, or other covered perils. Auto insurance policies typically offer several types of coverage, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Liability coverage protects you in case you cause an accident and someone is injured or their property is damaged. Collision coverage provides coverage for damages to your vehicle in case of an accident, while comprehensive coverage covers damages due to non-collision incidents, such as theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage provides coverage if you are in an accident with an uninsured or underinsured driver.

Partnering with an agency like IZC Insurance Agency can help you navigate the different auto coverages available and be sure you have adequate coverage and not just the minimum required limits for your state or loan agreement. Our trusted advisors will access multiple options and can help, regardless of your driving history or prior accidents.

UMBRELLA INSURANCE POLICIES

Umbrella insurance policies provide additional liability protection beyond the limits of your homeowners or auto insurance policies. Umbrella policies are designed to protect your assets and provide additional coverage if a lawsuit exceeds the limits of your existing policies. Umbrella policies typically provide coverage in increments of one million dollars or more, and can be purchased to cover both your home and auto insurance policies. Umbrella policies may also provide coverage for certain types of liability claims that are not covered by your other policies, such as libel or slander. However, umbrella policies do not cover everything, and it's important to understand what is covered and what is not covered before purchasing a policy.

IZC Insurance Agency personnel can help you evaluate whether you need additional liability limits that an umbrella policy can provide. If you have youthful drivers, or recreational vehicles, these additional limits can make a big financial difference in a severe loss scenario. Let IZC help you protect your assets with an Umbrella policy today!

COLLECTIONS POLICIES

A collections policy, also known as a valuable articles insurance policy, is a type of insurance policy that provides coverage for high-value items that may not be fully covered under a standard homeowners insurance policy. These valuable items can include things like fine art, jewelry, antiques, and other collectibles.

The coverage provided by a valuable articles insurance policy typically includes protection against a wide range of risks, including theft, accidental loss, and damage. The policy may also cover losses that are not covered by a standard homeowners insurance policy, such as loss due to mysterious disappearance or breakage.

To obtain coverage under a valuable articles insurance policy, you'll typically need to have the items appraised to determine their value. You'll also need to provide proof of ownership, such as receipts or other documentation.

It's important to note that while a valuable articles insurance policy provides additional coverage beyond what's included in a standard homeowners insurance policy, it's not a replacement for that policy. You'll still need to maintain your standard homeowners insurance policy to ensure that your home and other personal property are fully protected.

FIND THE PACKAGE THAT IS RIGHT FOR YOU

As your family changes, your insurance needs change. Home, auto, umbrella and collections insurance policies are all unique and offer different ways to protect your assets as much or as little as you desire. 

To help you navigate which policies are right for you, aligning yourself with a trusted insurance advisor is key. At IZC Insurance Agency, we pride ourselves on being experts in personal insurance and coupling that knowledge with best in class service.

We understand that protecting your investments and assets is of the utmost importance and we are ready and excited to help you through that process. Give us a call today at (404)-795-4807 or complete our free, no hassle online quote request below. We look forward to serving you!