.jpeg)
.jpeg)
.jpeg)
.jpeg)
.jpeg)
Home
Homeowner Insurance, is a specific type of insurance policy put in place to protect your home, as well as your belongings (personal property). It also protects you in the event that someone injures themselves while on your property. It is usually split into Building Insurance, Contents Insurance, Living expenses and Personal Liability.
Do I Need Both?A property should be insured for both the buildings and the contents. If you are a homeowner, you would generally purchase both under one policy and from one provider (a combined policy).
If you are renting your property, you should only need coverage for the contents, as the buildings should be covered by the landlord. Whether you are a homeowner, landlord, or tenant, get in touch today! We are here to talk to you and begin the process of finding you the right insurance.
Do I Need Both?A property should be insured for both the buildings and the contents. If you are a homeowner, you would generally purchase both under one policy and from one provider (a combined policy).
If you are renting your property, you should only need coverage for the contents, as the buildings should be covered by the landlord. Whether you are a homeowner, landlord, or tenant, get in touch today! We are here to talk to you and begin the process of finding you the right insurance.
.jpeg)
Auto
A lot of people don’t understand the importance of having good Auto Insurance coverage.This helps you pay for vehicle Damages or Bodily Injuries in the event of an accident. Everyone deserves the benefits of having Vehicle Insurance. Plus, being uninsured can get you in legal trouble. Driving without coverage can result in hefty fines in most states and the loss of your driver’s license.
Auto Insurance Coverage can be expensive if you don’t do your research. Lorber Insurance is here to help. We do all of the difficult searching for you. Just let us know a little bit about you, eligible drivers and we’ll help you get started. Request a coverage review online with us today so you can find the Auto Insurance coverage policy that works for you and your lifestyle.Auto Policies apply but not limited too:CarTruckMotorcycleRV/CamperSR22 Coverage
Additional endorsements may be added to your Auto Policy: Emergency Roadside Coverage Rental Car Coverage Trip InterruptionFull Glass Coverage.
ASK ABOUT AAA Membership to cover Roadside Assistance
Auto Insurance Coverage can be expensive if you don’t do your research. Lorber Insurance is here to help. We do all of the difficult searching for you. Just let us know a little bit about you, eligible drivers and we’ll help you get started. Request a coverage review online with us today so you can find the Auto Insurance coverage policy that works for you and your lifestyle.Auto Policies apply but not limited too:CarTruckMotorcycleRV/CamperSR22 Coverage
Additional endorsements may be added to your Auto Policy: Emergency Roadside Coverage Rental Car Coverage Trip InterruptionFull Glass Coverage.
ASK ABOUT AAA Membership to cover Roadside Assistance
.jpeg)
Business Insurance
Business Insurance helps protect your business from, Lawsuits, Property damage, Theft, Vandalism, Loss of income, and Employee injuries and illnesses. Give the office a call to see which policy is just the right one for you!
Lorber Insurance Agency is able to write all forms of commercial Insurance including, Property, Liability, Business Auto, Inland Marine, Professional, Liability, and Workers Compensation. We can also write Group Health for your Business.
Business Owners Policy(BOP): This is a combo of Business Property Insurance and General Liability Insurance in one policy to meet the needs of your Business. This can be useful for Small businesses with a physical location and business assets that can be taken or damaged.
Commercial Insurance Package: We are able to combine all Business Coverages into one tailor made policy fitting the needs of your individual business. The Commercial Insurance Package covers businesses that don't fit into the Buiness Owners Policy (BOP) program. These typically include Contractors, Vehicle Dealers, Trucking and Non-Main Street Businesses.
Workers Compensation: While this may not be required, it will provide benefits to your in the event of a work related loss to your employee(s). This includes lost work time, medical care, and more.
Commercial Auto Insurance: If your Business has work related vehicles we can provide a policy that will cover Liability and your vehicles even if you don't have the need for Property or General Liability coverage.
Workers Compensation: While this may not be required, it will provide benefits to your in the event of a work related loss to your employee(s). This includes lost work time, medical care, and more.
Commercial Auto Insurance: If your Business has work related vehicles we can provide a policy that will cover Liability and your vehicles even if you don't have the need for Property or General Liability coverage.
.jpeg)
LIFE
If your family knew you had the chance to set up a Life Insurance plan and you choose not to, what impact would that have on your loved ones ?
After your death, if your family had to move out of the home due to the financial devastation how would that impact on your loved ones? If your debt, and or mortgage was placed on a family member for them to take care of how would that impact them financially? You may have Life Insurance or Disability Insurance through your present Employer, but what would happen should you lose your job or you become disabled? While it isn’t a pleasant topic to discuss, the best life insurance policies can be helpful to your beneficiaries in the event of your death. The payout from a policy can cover a number of things including debts, estate taxes, business costs, or college tuition costs, and finial funeral expenses.
Life Insurance is important because it allows the people you choose as beneficiaries to be paid out after your death. The beneficiaries are usually children, family members, or a spouse. Also Life Insurance can be used in the business world to fund buy/sell agreements.Having a strong Life Insurance Program is essential if you have people who depend on you financially.
Money cannot lessen the grief that death causes, but it can help your loved ones maintain a stable livelihood. Here are the types of policies, and how to choose the best Life Insurance for you:
Whole Life InsuranceJust as the name suggests, this is a permanent policy. Whole Life insurances includes a “cash value” account that increases in monetary value over time. If you build up enough cash value, you may have the ability to take out a loan against the policy if you need the money for large planned and unplanned expenses.
Term Life InsuranceTerm life insurance is one of the most common policies that people get. This type of policy lasts for a certain number of years. If you don’t die within the pre-decided time frame, the policy expires and you don’t receive a payout. Example Term insurance is like renting a home. Everything you pay, you pay the policy covers just the cost of Life Insurance, without any build up of Cash Value.
Universal Life InsuranceWith this policy, you receive a pre-decided death benefit and your payments can be flexiable. Benefits include the options to, withdraw money or borrow against the cash value, earn interest on your policy's cash value, have flexibility with premiums, and adjust the policy's death benefit.
Bottom line is don't let Life Insurance be complicated. We can help guide you. Coverage you want now may not meet what you need in the future.
After your death, if your family had to move out of the home due to the financial devastation how would that impact on your loved ones? If your debt, and or mortgage was placed on a family member for them to take care of how would that impact them financially? You may have Life Insurance or Disability Insurance through your present Employer, but what would happen should you lose your job or you become disabled? While it isn’t a pleasant topic to discuss, the best life insurance policies can be helpful to your beneficiaries in the event of your death. The payout from a policy can cover a number of things including debts, estate taxes, business costs, or college tuition costs, and finial funeral expenses.
Life Insurance is important because it allows the people you choose as beneficiaries to be paid out after your death. The beneficiaries are usually children, family members, or a spouse. Also Life Insurance can be used in the business world to fund buy/sell agreements.Having a strong Life Insurance Program is essential if you have people who depend on you financially.
Money cannot lessen the grief that death causes, but it can help your loved ones maintain a stable livelihood. Here are the types of policies, and how to choose the best Life Insurance for you:
Whole Life InsuranceJust as the name suggests, this is a permanent policy. Whole Life insurances includes a “cash value” account that increases in monetary value over time. If you build up enough cash value, you may have the ability to take out a loan against the policy if you need the money for large planned and unplanned expenses.
Term Life InsuranceTerm life insurance is one of the most common policies that people get. This type of policy lasts for a certain number of years. If you don’t die within the pre-decided time frame, the policy expires and you don’t receive a payout. Example Term insurance is like renting a home. Everything you pay, you pay the policy covers just the cost of Life Insurance, without any build up of Cash Value.
Universal Life InsuranceWith this policy, you receive a pre-decided death benefit and your payments can be flexiable. Benefits include the options to, withdraw money or borrow against the cash value, earn interest on your policy's cash value, have flexibility with premiums, and adjust the policy's death benefit.
Bottom line is don't let Life Insurance be complicated. We can help guide you. Coverage you want now may not meet what you need in the future.
.jpeg)
Health/ medicare Supplement
Having the proper Health Insurance Coverage can literally be a matter of life or death.
Health Insurance may be the most important type of Insurance you can carry. That’s because it affects more areas than just your health. It can also affect your financial bottom line.
Medicare Supplemental Insurance Sometimes Medicare benefits alone aren’t enough, and you have to seek other options. You want to make sure you have coverage for all situations with Medicare Supplemental Insurance and an additional prescription plan. Health plans can be confusing, so we encourage you to get in touch with Lorber Insuance to learn about plan availability.
We have available:Medicare Advantage Medicare Supplement Medicare Part D Prescription Drug Hospital Indemnity Dental/Vision/Life Insurance/Final Expense
Small Business Group Health Employee Medical Health Life/Short Term and LongTerm Disability Dental/Vision
Under 65 ACA/ObamacareACA Obamacare Federally Subsidized Plans Dental/Vision/Life InsuranceAccidental and Critical Illness
Call the office to speak with Paul about which options would best!
.jpeg)
Recreational Vehicle
We can guide you to which policy works for you! Wether you are insuring an RV, ATV/UTV.
This type of policy can cover many different types:Class A, B, and C motorhomes,travel trailers, including conventional and fifth-wheelpop-up and truck camper.ATV/UTV/ Golf Cart.
This type of insurance can cover the injuries or damages you’re liable for and repairs to your vehicle.
Typical avaiblie Coverage:Physical Damage Coverage, Bodily injury and Property Damage. Liability, Uninsured/Underinsured Motorist Property Damage and Bodily Injury, Medical payments,RV Roof Protection Plus,Pest Protection.
This type of insurance can cover the injuries or damages you’re liable for and repairs to your vehicle.
Typical avaiblie Coverage:Physical Damage Coverage, Bodily injury and Property Damage. Liability, Uninsured/Underinsured Motorist Property Damage and Bodily Injury, Medical payments,RV Roof Protection Plus,Pest Protection.
.jpeg)
Watercraft
Do You Need To Have Insurance For A Boat?Boat Insurance works the same way as Car Insurance does. If you damage your boat or cause injuries or damages to someone else, you file a claim with your insurer asking them to pay for the damages. If the incident is covered, your insurer pays for the losses or injuries up to your coverage limits.
Is My Home Insurance Policy Enough?Some think that their home insurance policy is enough to cover their cruisers, sail boat, etc.
In some cases, you can get by with just your home insurance policy. This possibility is available if you own a canoe, kayak, a boat with a small, slow engine, etc. Some home insurance policies may provide adequate coverage for these smaller, inexpensive boats.However, most home insurance policies don’t provide adequate coverage for larger, more expensive boats. Common limitations include:The policy caps at around $1,000 (or 10% of the home’s insured value)The policy doesn’t include liability coverageThe policy only covers damage that happens on your propertyIf you own something like a yacht or WaveRunner, a home insurance policy won’t be very helpful. Getting a separate policy will give the coverage you need in the event your boat gets damaged or stolen.
Ask about With Sign & Glide® On-Water Towing†
Is My Home Insurance Policy Enough?Some think that their home insurance policy is enough to cover their cruisers, sail boat, etc.
In some cases, you can get by with just your home insurance policy. This possibility is available if you own a canoe, kayak, a boat with a small, slow engine, etc. Some home insurance policies may provide adequate coverage for these smaller, inexpensive boats.However, most home insurance policies don’t provide adequate coverage for larger, more expensive boats. Common limitations include:The policy caps at around $1,000 (or 10% of the home’s insured value)The policy doesn’t include liability coverageThe policy only covers damage that happens on your propertyIf you own something like a yacht or WaveRunner, a home insurance policy won’t be very helpful. Getting a separate policy will give the coverage you need in the event your boat gets damaged or stolen.
Ask about With Sign & Glide® On-Water Towing†
.jpeg)
Personal Liability Umbrella
What is a Personal Liability Umbrella?
Personal Liability Umbrella is an Insurance Policy designed to protect yourself, your business, and your money, you need umbrella insurance. Here’s why:
What Is Umbrella Liability Insurance? Umbrella Liability Insurance is a type of extra liability coverage that will protect you from lawsuits and large claims. This type of insurance goes above and beyond other insurance policies, like homeowners or car policies. There are even some excess liability options that will protect additional property, such as your home, in the case of a lawsuit.
There are so many reasons why you should consider obtaining an Umbrella Liability Insurance Policy. You can never be too safe when it comes down to your money. Think about how hard you had to work to get to where you’re at. Don’t underestimate the possibility of being involved in a nasty lawsuit; Umbrella Liability Insurance can make all the difference.
What Is Umbrella Liability Insurance? Umbrella Liability Insurance is a type of extra liability coverage that will protect you from lawsuits and large claims. This type of insurance goes above and beyond other insurance policies, like homeowners or car policies. There are even some excess liability options that will protect additional property, such as your home, in the case of a lawsuit.
There are so many reasons why you should consider obtaining an Umbrella Liability Insurance Policy. You can never be too safe when it comes down to your money. Think about how hard you had to work to get to where you’re at. Don’t underestimate the possibility of being involved in a nasty lawsuit; Umbrella Liability Insurance can make all the difference.
.jpeg)
Classic Collections
Classic Car Insurance is different than that for a regular vehicle. It’s Auto Insurance that covers your Classic Vehicle for a guaranteed value mutually agreeable between you and the Insurance company (“agreed value”). This value or worth of the vehicle is based on collectible vehicle evaluation guides or an appraisal by a classic car appraisal.
The regular vehicle depreciates in value over time. The Collector Car, however, will usually rise in value over time. You get your car professionally appraised, then you and your Insurance company agree upon this monetary value for the vehicle to be covered for. If the vehicle gets in a wreck and is a total loss, you receive that full monetary value regardless of how long it’s been since the agreement. This is what makes this type of Insurance better for Collector Cars than regular Car Insurance. Be sure to ask about Gold, Platinum and or Titanium Packages that are offered.
The regular vehicle depreciates in value over time. The Collector Car, however, will usually rise in value over time. You get your car professionally appraised, then you and your Insurance company agree upon this monetary value for the vehicle to be covered for. If the vehicle gets in a wreck and is a total loss, you receive that full monetary value regardless of how long it’s been since the agreement. This is what makes this type of Insurance better for Collector Cars than regular Car Insurance. Be sure to ask about Gold, Platinum and or Titanium Packages that are offered.
Not sure what coverage you need?
GIve us a Call. We are here to help!
319.367.5774