Personal Insurance from Securance
Many business clients turn to Securance to insure their cars, homes, condos, jewelry, collectibles, watercraft, and recreational vehicles. We also extend our experience in protecting our clients' well-being and families with individual Life and Health insurance options.
Each client's program is customized to address their risk profile so that the right balance of coverage is provided to respond in the event of an accident, injury, or loss. From providing insurance for one automobile and condo insurance to insuring luxury cars and high-end coastal properties against wind and flood, we have the experience, knowledge, and markets to offer comprehensive, competitively priced programs.
Home Insurance
We will put together a comprehensive Home insurance plan. Our staff will go over key issues with you to determine how much property and liability insurance coverage you need.
Some of the issues we will review together include the following:​​
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​The amount of coverage required to rebuild your home from the ground up. This includes any recent home improvements such as bathroom remodels, new kitchen appliances, or a backyard entertainment space. All these things could raise the value of your home and necessitate additional insurance coverage. In addition, today's high inflationary environment plays a role in the cost of rebuilding after a loss. We want to make sure you're adequately covered.​
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​The amount of protection for your valuables. Standard coverage, for example, will insure computers and other valuables against fire and provide limited jewelry coverage. High-value items, such as engagement rings and artwork, require additional coverage
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​A standard Home insurance policy does not provide coverage in the event of certain disasters, such as flood or earthquake. We will assess your risks and recommend additional, separate coverage to address these risks.
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The amount of Liability insurance you should purchase including the need for a personal Umbrella policy. If you have certain items that could cause injury, such as a pool or trampoline, this adds to your liability risk and necessitates the appropriate amount of coverage to protect your assets in the event of an accident. Our staff will review what's at risk for you to determine the amount of Liability insurance you should carry to be well protected.
Auto Insurance
Our staff will evaluate all your risks-whether that includes owning a high-end sports car, luxury automobiles, or a minivan full of your children's teammates - to provide you with a complete line of Auto coverage, including:
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Bodily Injury:
Covers your responsibility for costs if someone is injured in an accident due to your negligence. Protects you against claims for damages, such as medical expenses, lost wages, and pain and suffering
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Property Damage:
Pays for any damage you cause to the property of others, such as damage to another vehicle, fence, or tree caused by a collision
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Medical Payments:​
Pays the medical expenses for you or others injured in an accident while riding in or driving your car.
Auto Insurance
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Uninsured/Underinsured Motorists:
Pays for damage and injury to you and your passengers caused by a driver with too little or no insurance.
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Collision:
Covers damage to your car if you cause an accident.
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Comprehensive:
Covers vehicle theft, fire, and vandalism and responds when something beyond your control happens to your vehicle, such as a falling tree or flood.
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We also offer Towing and Rental Reimbursement coverage and, in states where no-fault laws exist, Personal Injury Protection (PIP).Our staff will review what's at risk for you to determine the amount of Liability insurance you should carry to be well protected
Individual Life & Health
How We Help Families and
Individuals
At Securance, we not only protect your property and valuables, but we can also provide you with insurance plans to safeguard your family. This includes Individual Life and Health insurance.
We offer various Life insurance products, including a Term Life policy, which is a straight insurance policy with no investment component. You're buying coverage for a set period, provided you pay the monthly premium.
We can also provide you with a Whole Life policy that combines Life coverage with an investment fund. You're buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company. Cash value builds tax-deferred each year you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn't change throughout the life of the policy.
There are other options we may recommend after a thorough assessment of your individual situation.
Health Insurance
​Today's health insurance landscape is more complex than ever, with continual changes that could affect the type and amount of coverage you have available. Our staff not only keeps abreast of what is happening on the legislative front but also on the status of providers and the plans being offered, depending on the state where you live.
We can help you navigate this ever-changing field to choose a provider and plan that will work for you. Our providers offer everything from HMOs, PPOs, and POs to high-deductible plans linked to health savings accounts.
In addition to Health insurance, we have individual plans for Dental and Vision coverage as well.
Our Independence
Delivers Value
Securance is recognized as one of the top independent insurance agencies. The professionals at Securance work on your behalf to negotiate coverage terms and pricing for your needs. We have access to a network of leading insurance carriers to offer you competitively priced custom coverage solutions. We’ve earned the trust of thousands of clients across the country because of the value we deliver as demonstrated by our responsive service, expertise, experience, and commitment to offering comprehensive protection.
You will always have a person to talk to at Securance.
Give us a call at 713-977-6606.
