Homeowners insurance allows you and your loved ones to feel safe and protected in your home. At Signet Insurance Group, we understand the importance of customizing each homeowner insurance policy to meet the exclusive needs of both the home and homeowner. Standard home insurance coverage includes dwelling protection, extended replacement coverage, other structures on the insured location, personal property, additional living expenses if your home becomes uninhabitable as a result of a covered loss, personal liability protection and guest medical for guests accidently injured on your property. Call us to determine the best homeowners insurance policy for you today!
Landlord insurance provides coverage for property owners renting out one or more residential homes, apartments or condos. As a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, break-in, severe weather and more. Signet Insurance Group can help you find and obtain the best landlord insurance policy for your needs after considering any applicable available discounts such as multi-policy and pay in full concessions.
Renters insurance covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property to ensure you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation. In addition, renters insurance also protects you and your family against certain bodily injury and property damage claims for which you are liable. Whether you’re starting out, between homes, or downsizing, Signet Insurance Group can help you pick the renters insurance coverage that best fits your needs.
When you have a comprehensive auto insurance policy in place, you can drive confidently on the roads knowing that you are protected from all possible perils. The right auto insurance policy will protect you and your vehicle from car accidents, bodily injury, medical expenses, property damage, fire and theft. Depending on the coverage options you choose to obtain under your customized auto insurance policy, you may receive legal expense coverage as well. Signet Insurance Group can advice you as to the minimum required auto insurance protection required by the state in which you reside, as well as other available coverage options.
General Liability Insurance
General Liability is a broad commercial insurance policy that covers general liability exposures of business. If you do not know what is covered by your business liability protection or, better yet, what is excluded; Signet Insurance Group can help? Call us to review your policy for limitations to determine if important coverage or endorsements need to be added. We can help you find and obtain the best insurance coverage for your company. After all, it costs as little as pennies a day to protect your business so don’t wait until you have a loss to find what coverages you should have purchased!
Workers Compensation Insurance
Regardless of who is at fault for an illness or injury sustained in the workplace, worker’s compensation provides all involved parties with guaranteed protection. As an employer, you can receive peace of mind through your worker’s compensation policy, knowing that all injured employees will receive medical expense coverage. In turn, employees can rest assured knowing they will not have to pay for medical costs out of pocket after a work-related injury. Allow the insurance professionals at Signet Insurance Group to provide you and your employees with the protection you both deserve.
Commercial Auto Insurance
Organizations that utilize vehicles in their business operations must safeguard their business with a comprehensive commercial auto insurance policy. Signet Insurance Group can help you find the best commercial auto insurance policy to provide all of your vehicles with protection, whether you have a fleet of delivery vans or your employees operate their own vehicles for business errands. Call us to customize a commercial auto insurance policy based on the exclusive needs and operational functions of your commercial vehicles today.
Many home owners do not realize a homeowners’ insurance policy does not provide coverage against floods. If you do not have flood insurance, you should call Signet Insurance Group today. Flood insurance policies have a 30 day grace period in which coverage is not extended. While this is to ensure that homeowners do not obtain flood insurance after hearing of a storm’s arrival, it can leave you vulnerable. Call us to learn how flood insurance can protect you today.
Life insurance provides individuals with peace of mind knowing each of their loved ones are protected. With no life insurance policy in place, you leave the future of your loved one’s up to chance. A life insurance policy ensures that your final wishes are carried through and that each beneficiary is able to continue their current standard of living. We understand how complex purchasing a life insurance policy can be, which is why Signet Insurance Group is here to guide you through it all including whether a term life or whole life insurance policy best meets your needs.
Whether you are in a serious car crash, or an unforeseeable accident happens on your property, you could end up responsible for bills that exceed your standard insurance limits. Umbrella insurance provides extra coverage to make sure you are protected and do not run the risk of having to liquidate assets in the event of a covered loss.