Dillon Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

Does homeowners insurance cover flooding? No. It is not typical that homeowners insurance covers damage from a flood. Though there are other policies that cover additional risks, floods and earthquakes are usually excluded. Typically, homeowner insurance policies cover damage caused by threats such as fire, windstorms, hail, lightning, robbery or property vandalism.

Contractor's General Liability insurance is for residential and commercial builders, general contractors, construction managers, design and build firms, specialty contractors or subcontractors, and owners of public and/or private construction projects.

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

Product manufacturers deal with many unique risks. Product liability insurance provides protection for these unique risks - particularly when products manufactured by your company cause harm to others. Some other risks of loss that are important to manufacturers are business interruption coverage and mechanical & electrical breakdown coverage. Our agency can help you analyze the specific risks of your operations and custom design a competitive high-quality plan that fits your budget and your needs.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

As a rule of thumb, a general liability policy will go a long way in reducing the risk exposure of your business. General liability insurance is needed by any prudent business owner working with customers and the general public. This insurance is put in place to protect the company in the event someone claims they were injured or their property damaged due to the fault of your business. General liability insurance will generally cover bodily injury, property damage, personal injury and even advertising injury. This usually includes claims of copyright infringement, slander, and defamation of character. Often it will also cover claims of invasion of privacy.

Most standard homeowners, mobile homeowners, condominium, and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.