Individual & Umbrella Policies
Your Life
Some things in life are out of your control, but that doesn’t mean you can’t be prepared. Protect your family’s future with a Life Insurance policy today.
Your Home
Your home is unique, so you need a Home Insurance policy made just for you. Agent M offers customizable coverage to fit the needs of your home.
Your Vehicles
Risk is inherent whenever you get behind the wheel. But you can feel a lot better about the safety of your vehicle and it’s passengers with the right vehicle policy.
Home Insurance
Your home says a lot about you and where you’re headed. It’s where life unfolds and memories are made. Perhaps you can’t imagine living anywhere else. But does your home coverage reflect what really matters to you?
Dwelling
Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.
Contents
Contents coverage is just that — it covers what’s inside your home. I’m talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered loss, your policy can help pay to replace them.
Liability
The third component of your home policy is liability coverage. It helps protect you from loss in case you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.
Auto Insurance
What’s in your garage? There’s as many answers to that question as there are drivers. You probably chose your vehicle because it fits your lifestyle and what you care about. Your auto insurance can do the same.
Liability
Liability coverage helps pay the cost of injury to others and damage to their property when you’re at fault. This coverage is required by law in nearly all states.
Collision
Collision coverage helps cover the cost to repair or replace your own vehicle when you’re at fault. It covers collisions with other vehicles, objects and animals.
Comprehensive
Comprehensive coverage covers your vehicle for loss caused by things besides a collision. These include theft, vandalism, hail, fire, and animal damage.
Renters Insurance
Your landlord may have an insurance policy, but if there’s a fire in your building, that policy may not cover your possessions. That’s why there’s Renters insurance. Get a Renters insurance quote to see how affordable it is to protect your personal belongings.
Dwelling
Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most renters think of first when selecting insurance.
Contents
Contents coverage is just that — it covers what’s inside your rental unit. I’m talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered loss, your policy can help pay to replace them.
Liability
The third component of your renters policy is liability coverage. It helps protect you from loss in case you’re financially responsible for injury to others or damage to their property. This coverage extends beyond your rental unit and in fact follows you anywhere in the world.
Recreational Insurance
When enjoying the great outdoors, you shouldn’t have to be thinking about your insurance. Make sure you have Recreational coverage. Agent M Insurance has flexible coverage options to fit your need for any of the following recreational vehicles:
- Watercraft
- Cabin/Mobile Home
- Camper/Travel Trailer
- Motorcycle
- ATV/UTV
- Golf Cart/Moped
- Your recreational vehicle isn’t listed above? Contact us and ask!
Liability
Liability coverage helps pay the cost of injury to others and damage to their property when you’re at fault. This coverage is required by law in nearly all states.
Collision
Collision coverage helps cover the cost to repair or replace your own vehicle when you’re at fault. It covers collisions with other vehicles, objects and animals.
Comprehensive
Comprehensive coverage covers your vehicle for loss caused by things besides a collision. These include theft, vandalism, hail, fire, and animal damage
Contents
Your Recreational dwellings can also be covered by a contents policy. This covers about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered loss, your policy can help pay to replace them.
Umbrella Insurance
You work hard for the things that are important to you. For added coverage above and beyond the liability limits of your Auto or Home insurance policies, a Personal Umbrella insurance policy can provide added protection for your assets and future earnings.
Extended Coverage
A standard policy will cover many situations, but an umbrella policy provides protection beyond the limit on your underlying liabilty coverage.
Additional Protection
An Ubrella policy doesn’t just cover high-cost situations, it provides you with protection against additional types of claims such as libel and slander.
Worldwide Coverage
Your umbrella policy follows you wherever you go, giving you peace of mind while you’re away from home.
Life Insurance
Life insurance allows you to financially supoort those you leave behind. Proceeds from your life insurance policy help cover things like mortgage debt, future income, and the well-being of your spouse or children.
Term Life
The simplest type of life insurance, and usually the least expensive to start.
• Provides coverage as long as you pay the premiums, typically up to age 90.
• Premiums guaranteed not to change for the first 10 to 30 years of the policy, then increase annually with age.
• Can be especially popular with younger families who need a lot of coverage but aren’t yet earning their peak incomes.
Whole Life
Whole life insurance is designed to last as long as you do.
• Coverage up to 121 years old as long as all required premiums are paid.
• Premiums never increase, from the day your policy is issued to the day premiums are no longer required at age 100.
• Initial premiums are higher than term insurance, with funds accumulating within the policy as cash value.
• Whole life is the most conservative type of permanent life insurance, with guaranteed level premiums, guaranteed cash value accumulation, and a guaranteed death benefit.
Universal Life
Like whole life, universal life insurance offers the potential of life-long coverage, to age 121. But it allows flexibility in the timing and amount of premiums, and allows you to adjust the death benefit amount.
• You choose the amount of premium to pay, within contract limits. That payment goes into a separate account inside the policy, with the cost of the policy deducted from the account each month. Your policy stays in force as long as there’s enough value in the account to cover the deductions.
• You can build more cash value by paying more premium.
• When times are tough, you can reduce or even pause premium payments as long as there’s enough cash value to cover policy costs.
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