Home And Auto Insurance

Homeowners insurance from First Gabrielson Agency can provide you with financial protection against unforeseen disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance can cover 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. Most damage caused by disasters is covered but there are exceptions; with the most significant being floods, earthquakes and poor maintenance. You must buy separate policies for flood and earthquake coverage, but maintenance related problems are the homeowners' responsibility.

So Why Do You Need Homeowners Insurance?

It's really about protecting yourself financially if something unexpected happens to your home or possessions. This is important because the chances are your home is one of your largest investments and protecting that investment is important.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. We will work with you to find the right coverage that suits you best, and explain what will be covered in the policy you select, however you should be sure to read your policy so you know exactly what's included and what is not and that you have everything covered that needs to be. If you have any questions we are always there to help.

Questions To Ask Your Agent

• What discounts are available?
• How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?
• Does the insurance company have a good reputation for customer service?
• What's the process for filing and settling a claim?

We Offer The Following Options To Protect Your Personal Assets:

What is Auto Insurance?

Auto 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.

Auto Insurance Can Provide 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 auto 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 special requirements you must follow.

Most auto 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.

So Why Do I Need Auto Insurance?

• 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.
• To Protect you if your car is responsible for damage or injury to others.
• Many states now require you to have at least some coverage.

At First Gabrielson Agency, we take pride in developing a plan to effectively manage your personal risk. When searching for auto insurance, there are many decisions to make and risks to consider. Our agents will work with you to implement a plan that will protect you and your property.

Types Of Coverage And Additional Protection Options:

Questions To Ask Your Agent?

• What discounts are available?
• How much can you afford to pay if you get in an accident?
• What is the insurance company's level of service and ability to pay claims?
• Uninsured & Underinsured Motorist Coverage
• What's the procedure for filing and settling a claim?

Combining Home and Auto insurance policies may make you eligible to receive money saving discounts. You may also qualify for extras like single deductibles (when your home and car are damaged as a result of the same event), emergency lockout coverage, accidental death benefits, and airbag replacement from accidental deployment. Contact an agent today to see how you can save money by combining your Home and Auto insurance.

Contact an agent at First Gabrielson Agency to learn more about the benefits you can receive by combining your home and auto policies.