HOMEOWNERS INSURANCE POLICY
Your home is likely one of the largest investments you’ve ever made. That’s why
having the right homeowner’s insurance policy is critical:
You want to make sure you have the best financial protection possible if your home
or its contents should be damaged or destroyed by a storm, fire, theft, or other
disaster.
The Coverage You Need...
When it comes to home owner’s insurance, not everyone’s
needs are the same. We ask the right questions and use the right tools to help us
pinpoint your needs. Then we guide you through the process of choosing the
home insurance policy
that is right for you.
...At a Price You Can Afford
Now more than ever, it’s critical to keep costs under control. We understand that.
So you can count on us to find you the best rates on
the coverage that best matches your situation and your budget.
Request a
Homeowners Insurance quote.
AUTO / MOTORCYCLE INSURANCE POLICIES
Buying an insurance policy for your car,
truck, or motorcycle isn’t just about complying
with the law. It’s also very much about being free from having to worry about potentially
devastating financial losses should an accident or theft occur.
Think about it.
The right
auto insurance policy from The Gann Agency ensures that:
- If you’re in an accident, or if your vehicle is stolen,
your insurance policy will cover the cost of repair or replacement.
- If you or your passengers are injured in an accident, your
insurance policy should cover the costs of medical care.
- If you or your vehicle causes
injury or damage to others or their property, your insurance policy
should safeguard you from damages involved in an accident-related lawsuit.
- If you are in an accident with an uninsured or under-insured
motorist, your insurance should protect you against
related financial losses.
At The Gann Agency, we can help determine the
type of insurance coverage you need. Then, we use that information to find you
the best possible provider and policy—at a price that fits your budget.
When it comes to auto insurance, we work with you to give you peace
of mind...so you can relax and enjoy the ride.
Request a
Auto Insurance quote.
LIFE INSURANCE POLICIES
Buying a life insurance policy is the single best step you
can take to ensure the financial well-being of your family and others you care for
in the case of your death.
Recognized across the board as a cornerstone of sound financial
planning, life insurance provides money for your beneficiary
(or beneficiaries) after your death. Life insurance
money can help in many ways, including:
- Replacing your income and enabling your beneficiaries to
meet their everyday expenses.
- Paying your funeral and burial costs, as well as covering
probate and other estate-related expenses.
- Paying for any medical expenses that may not be covered
by health insurance.
- Creating an inheritance for your heirs.
At The Gann Agency, we’ll help take the stress out of shopping for life insurance. You can rely on our caring
and knowledgeable insurance agents to help you determine which
life insurance policy is right for you. Whether your
health is ideal or not-so-perfect, we can find you the right
policy with the best
company—at the best price—to give you the peace of mind of knowing your family will
be financially secure.
Request a
Life Insurance quote.
BUSINESS INSURANCE POLICIES
Business Liability Insurance
If someone falls while visiting your business premises, or a customer is hurt by
a product your business sells, you can be held responsible. That’s the risk that
liability business insurance covers.
In a 2004 survey released by the National Federation of Independent
Business (NFIB), 30 percent of small business owners ranked the cost and availability
of liability insurance as the second most important insurance concern they faced.
(Health insurance ranked first, while workers’ compensation ranked third.) Concerns
about liability insurance are significantly increasing. In a 2000 survey, only 11
percent of small business owners cited cost and availability of liability insurance
as a critical issue.
Liability insurance, also called Commercial General Liability
(CGL), covers four categories of events for which you could be held responsible:
bodily injury; damage to others’ property; personal injury, including slander and
libel; and false or misleading advertising. CGL coverage pays for the injured party’s
medical expenses. It excludes your employees, who are covered by workers’ compensation.
(For details see workers’ compensation section of this site.) Bear in mind that
even trespassers can sue you if they fall and get hurt on your business premises!
There are three types of legal damages people may sue you for
that are typically covered by a CGL policy:
- Compensatory damages: financial losses suffered by the injured
party and future losses they may suffer resulting from an injury they claim in the
lawsuit.
- General damages: non-monetary losses suffered by the injured
party, such as “pain and suffering” or “mental anguish.”
- Punitive damages: additional penalties and charges the defendant
must pay.
Request a
Business Insurance quote.