Auto
Homeowners
Renters
Flood
Earthquake
Excess/Umbrella
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Auto
We can save you money and find the auto coverage that best meets your personal and family insurance needs. We can also help handle your claim, resolve billing questions, update coverage as your needs change and explain your insurance in language that is easy to understand.
Value = Policy, Price and Service
Most people want a good value when they buy a car. Sure, you want a low price. But you also want transportation that's reliable and a service facility that repairs your car promptly and thoroughly. That's true value. The same applies to buying car insurance. The cheapest deal isn't always the best deal. Good insurance value means finding the right price, the best coverage and caring service. When your repair and medical bills pile up, you need a policy that covers you fully, an insurance company that pays valid claims promptly and an insurance agent who works to get you back on the road fast. You can get the best deal by shopping carefully. But stay with your agent and the company you have already chosen if you are satisfied that you're getting good value. We will get to know you and your insurance needs well. This allows the us to customize an insurance program that's right for you and your family.
Homeowners
Your home is probably one of the largest investments you'll ever make. So it just makes sense to protect it with top-quality coverage through Cunnington & Associates. You will discover a wide variety of insurance products to protect you from an assortment of catastrophes, including fire, hail, theft, lightning and more. Our products also include liability and medical protection, in case someone is injured on your premises. Just call one of our local agents today for more information.
Benefits
Home Replacement Coverage - Covers the entire cost of repairing damage to your home in a covered incident even if the cost of repairs exceeds your policy limits, if your home is insured for 100% of its replacement value.
Contents Replacement Coverage - With replacement cost coverage, your contents destroyed by a covered loss will be replaced without regard to depreciation, up to the limits stated in your policy, less your deductible. This policy feature will give you the ability to replace your lost items without any deduction for use.
Electronics and Valuables Coverage - You can add additional protection for valuables such as jewelry, furs, home computers and cellular phones.
DISCOUNTS
- Home sprinkler systems
- Fire and burglar alarms
- Fire extinguishers
- Smoke detectors
- Dead-bolt locks
- Mature resident savings
No one plans to lose their valuables and other belongings in a burglary, a fire or a natural disaster. If one of these unfortunate events destroyed your home, would you be able to report exactly what you lost to the police, to the Internal Revenue Service or to your independent insurance agent?
Write down any valuable items with their serial numbers (usually found on the bottom or back of major appliances) along with the method of acquisition (purchased, inherited or received as a gift), date purchased and price or approximate value. Attach receipts, if possible. Remember to include furniture, appliances, carpeting, jewelry, artwork, toys and the contents of your closets, cabinets and drawers. Contact your independent insurance agent with questions or concerns.
Renters
Your condo is probably the single most important investment you have. So you want the best protection at a reasonable cost. With our policy, you'll get broad coverage for your condo and personal belongings -- even your boat! And take advantage of special safety discounts, too. For just pennies a day, get special protection for valuable items, electronics and more. You can also combine your condo and auto insurance into one package that can save dollars, while providing extra coverage.
As a renter, you need to protect your personal property against theft and damage. Our renters insurance is hard to beat for convenience and value. Plus, we'll assure you the peace of mind you need for your valuable items and electronics.
Flood
Floods are random. They happen anytime, anywhere, even in the same place twice. A prior year's occurrence does not reduce your risk of flood. Floods have become the leading cause of property damage from natural disasters, with more homes destroyed by flood than by fire. Estimates for flood damage have risen to over $4 billion each year.
"IT WON'T HAPPEN TO ME."
FACT: You don't have to live by water to beat risk. Over one-third of all flood claims occur in low-risk areas. Yet, over 7 million structures requiring flood insurance are still unprotected.
"MY HOMEOWNERS INSURANCE COVERS FLOOD."
FACT: Homeowners insurance does not cover flood damage. Federal flood insurance does. Flood insurance also covers mudflow, or dirt and debris resulting from moving water. Check your Homeowners Policy now.
"I DON'T NEED FLOOD INSURANCE."
FACT: Homeowners with mortgaged property in a Special Flood Hazard Area(SFHA) are now required by federal law to obtain flood insurance. Lenders must comply by requiring flood insurance on the outstanding mortgage balance for the life of the loan.
"THE GOVERNMENT WILL PAY."
FACT: To receive federal disaster assistance, a flood must first be declared a "federal disaster" by the U.S. President. Typically, only 10% of flood disasters qualify. Uninsured property owners who have received previous federal disaster assistance may not even qualify. Remember, some federal assistance is only a loan - repayable with interest!
"FLOOD INSURANCE IS EXPENSIVE."
FACT: Flood insurance is affordable. Flood damage is not. The average loss of property and contents during recent flood disasters was $20,000. Compare this to the average annual flood premium of $130 for low-risk areas, and $500 for high-risk areas.
"FLOOD INSURANCE COVERS CONTENTS."
FACT: Standard flood coverage does not cover the contents of your home. Separate Contents coverage is available up to $ 100,000. Preferred Risk policies for structures in low-risk areas offer combination coverage for up to $250,000 for a residence and $60,000 for its contents.
"I CAN BUY FLOOD INSURANCE ANYTIME."
FACT: There is a 30-day waiting period for flood insurance unless you are securing a new mortgage. Floods can happen anytime, so act now and call us for information.
Earthquake
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage.
Most earthquake insurance policies feature a high deductible, which makes this type of insurance useful if the entire home is destroyed, but not useful if the home is merely damaged. Rates depend on location and the probability of an earthquake. Rates may be cheaper for homes made of wood, which withstand earthquakes better than homes made of brick.
As with flood insurance or insurance on damage from a hurricane or other large-scale disasters, insurance companies must be careful when assigning this type of insurance, because an earthquake strong enough to destroy one home will probably destroy dozens of homes in the same area. If one company has written insurance policies on a large number of homes in a particular city, then a devastating earthquake will quickly drain all the company's resources. Insurance companies devote much study and effort toward risk management to avoid such cases.
Excess/Umbrella
Jury awards and out-of court settlements routinely run into millions these days. Add to this the cost of legal fees, and the cost can become overwhelming. All it takes is one major liability lawsuit and you could lose it all.your car, home, personal property, and even your future income!
An Umbrella Policy will buy you excess liability coverage to protect your property from high jury awards and, at the same time, extend your protection to areas omitted from the usual liability insurance policy.
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