Homeowners & Car Insurance


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Homeowners Insurance Information

Home Insurance

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

Why Do You Need Homeowners Insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

What Is Homeowners Insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Things To Consider And Questions To Ask Your Agent

Here area few things to discuss with your agent that will influence decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

High Net Worth Personal Insurance

At Park & Associates we pride ourselves on a level of professionalism and service that high net worth individuals require. You have a significant amount assets at stake which make our role as your trusted advisor that much more important. Fill out the form or upload your current insurance documents using the links below. One of our insurance advisors will reach back out within 24 hours to discuss a potential partnership!

What is at Risk?

Your property exposure includes the dwelling, its contents, and any related non-business structures and their contents located on the premises. The structures are valued in excess of $750,000 and the contents, including scheduled items, often far exceed structural values. The owners may travel and leave the home empty for weeks or months at a time leaving a significant exposure to your property. Water and wind damage exposures can be extensive depending on the location, construction, and vegetation surrounding the property. A high-valued property owner often owns more than one dwelling.

Your Personal liability exposure arises from conditions at the premises and the actions of the members of the household (including pets). The age of any children, the social and civic organizations the family participates in can all impact the loss potential. High profile individuals often attract lawsuits because of their activities on and off premises. Employees and contractors who are hired by members of the household can add to the exposure through their actions on behalf of the household but also for injuries they may suffer on the premises.

Your Inland marine exposure includes antiques, collectibles, electronics, fine arts, firearms, furs, jewelry, silverware, and other types of property subject to sublimits and exclusions within the homeowners policy. Items may be kept at several locations and could include in-transit exposure. Fine arts and collectibles may be easily damaged and require special handling when being moved.

Your Automobile exposures are from household members driving owned, rented, or borrowed vehicles or from loaning their vehicles to others outside the household. The type of vehicle, ownership, the principle driver, garaging location, miles driven, and type of driving must be considered when evaluating the exposure. Age and experience of each driver must be evaluated. The exposure of household residents temporarily living away from the household exposures such as students away at college is important to explore because of potential vehicle ownership, state compliance, garaging, and usage changes.

Workers Compensation coverage is sometimes needed if there are employed individuals in the household, such as a chauffeur, cook, house cleaner, or valet. In some states the coverage is voluntary, but the added cost is worth the protection of the owner from lawsuits and the protection of the worker from injuries and disability.

Minimum recommended coverage:

  • Homeowners
  • Personal Inland Marine
  • Personal Auto Policy
  • Personal Umbrella
  • Flood
  • Wind/Hail Policy
  • Workers Compensation (if applicable)

Car Insurance

Why Do You Need Car Insurance?

It's really all about protecting yourself financially.

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
  • Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

What Is Car Insurance?

Car insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Car insurance provides property, liability and medical coverage:

  • Property Coverage pays for damage to or theft of your car.
  • Liability Coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical Coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An car insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most car policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Questions To Ask Your Agent

Your Independent Agent is an advocate for finding car insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
  • What is the insurance company's level of service and ability to pay claims?
  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)
  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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