TAYLOR & TAYLOR ASSOCIATES

Personal Automobile & Homeowners

Our office is staffed with insurance professionals who possess the technical expertise to evaluate your insurance coverage needs whether you live in a studio apartment or a palatial estate, own your car or lease one. The following list provides an introduction to some of the insurance coverages that are available through our personal lines department. This summary is interpretive only and is not intended to replace or supersede any of the terms and/or conditions of the policies comprising the insurance program. In case of specific interpretation of coverages, you need to refer to the actual policies. Please contact us for a copy of the policy.

HOMEOWNERS

(For Property Owners of Homes, Condominiums, Co-Ops and Renters of Homes or Apartments)

THE BASICS

Dwelling
Improvements & Alterations
Other Structures
Personal Property
Additional Living Expenses
Personal Liability
Medical Payments

ADDITIONAL COVERAGES TO CONSIDER

Workers Compensation & Statutory Disability Benefits For Domestics, Child Care Helpers
Dwelling Guaranteed Replacement Cost
Replacement Cost Valuation on Personal Property
Off Premises & Extended Theft Protection
Increased Money Coverage
Earthquake
Flood
Back Up Of Sewers And Drains

Property Floaters are available to cover jewelry, furs, cameras, coins, stamps, collectibles, musical instruments, works of art and antiques.

PERSONAL AUTOMOBILE

LIABILITY COVERAGE

Bodily Injury Provides legal liability insurance, up to the policy limit, should you cause bodily injury to another person with your automobile.

Property Damage Provides legal liability insurance, up to the policy limit, should you cause damage to property; other than the car you are driving or the contents inside the vehicle.

No Fault Provides medical and time lost benefits to victims of automobile accidents regardless of fault. This coverage is defined by state law and is not available in every state.

Additional No Fault An optional coverage benefit that provides sums larger than those mandated by state law to victims of automobile accidents regardless of fault. This coverage is defined by state law and is not available in every state.

Uninsured Motorist Bodily injury coverage for you and the occupants of your vehicle in the event you are in an accident caused by an uninsured driver.

Underinsured Motorist Bodily injury coverage for you and the occupants of your vehicle in the event you are in an accident caused by a driver who carries an insufficient amount of bodily injury insurance.

Medical Payments Bodily injury coverage for occupants of your vehicle in non no fault states regardless of negligence.

PHYSICAL DAMAGE

Comprehensive Covers your vehicle against loss caused by fire, theft and water damage.

Collision Covers damage to your vehicle in an accident.

Full Glass Covers the cost of replacing glass and windshields without a deductible.

Rental Reimbursement Covers part of the cost to rent a vehicle in the event of an insured loss to your vehicle.

Miscellaneous Property Removable property and property not installed by the manufacturer. These are not covered unless itemized in the policy.

PERSONAL EXCESS LIABILITY

Personal Excess Liability insurance is the way to protect yourself against catastrophic lawsuits. This coverage provides large limits of liability which are in addition to the sums that are available from you personal automobile and personal liability policies. Coverage limits are available in million dollar increments.