Whether it’s Home, Auto, Life, or Business, Roseberry Insurance Agency has policies and coverage to keep you and your possessions safe.
Protect what matters most
Homeowners Insurance
Homeowners insurance is made up of coverages that may help pay to repair or replace your home and belongings if they are damaged by certain perils, such as fire or theft. It may also help cover costs if you accidentally damage another person’s property or if a visitor is injured at your home. The costs of homeowners insurance depend on a number of factors, including the coverages you select, features of your home, and the value of your personal belongings.
Examples of Coverage
- High-End Jewelry (SPP)
- Dwelling
- Personal Property
- Liability
- Loss of Use Expenses
- Detached structures
- Medical payments
Auto Insurance
Auto insurance can help protect you from expensive, sometimes devastating surprises. Let’s say you’re in a covered accident; as an insured driver, you can get help paying medical bills, repairs, certain legal defense costs, and more.
Examples of Coverage
- Liability
- Uninsured Motorist Coverage
- Roadside Assistance
- Rental Reimbursement
- Collision
- Comprehensive
- Accident Forgiveness
- Claim Satisfaction Guarantee
Life Insurance
Everyone deserves a secure financial future — and that’s why life insurance is so important. Whether you’re just starting out or you’re getting ready to retire, a life insurance policy provided by our Agency can help give your family financial peace of mind if you are no longer there to provide for them. More importantly, our policies provide living benefits to assist in keeping you alive. In essence, our Agency places the LIFE in life insurance!
Examples of Coverage
- Term Products
- Whole Products
- Hybrids (whole & term)
- Long Term Care
- Living Benefits
Renters Insurance
If you’re renting a home, condo, or apartment, renter’s insurance can help give you the peace of mind that comes with knowing you and your belongings are covered. The three most common types of perils people face are Water, Theft, and Fire.
Examples of Coverage
- Liability
- Personal Property
- Loss of use Expenses
- Medical Payments
Business Insurance
The Roseberry Insurance Agency understands that as a business owner, you work hard to succeed. The last thing you want is for something to happen that would set you back financially. We offer policies and custom protection solutions that are as unique as the circumstances your business may face. We’ll ensure you’re covered no matter the complexity of the situation.
Examples of Coverage
- General Liability
- Theft
- Employee Dishonesty
- Computer Fraud
- Cyber security
- Business Income
COMMON QUESTIONS
Insurance FAQS
An insurance limit is the maximum amount of money an insurer will pay toward a covered claim. The higher your coverage limit, the higher your premium may be. Limits often apply to different types of coverage within a policy. For example:
HOMEOWNERS INSURANCE
You’ll likely want to consider a number of factors when choosing your homeowners insurance coverage limits. These may include:
• The amount it may cost to rebuild your home at current construction costs (dwelling coverage)
• The value of your belongings (personal property coverage)
• The amount of liability coverage that may assist you if you’re found legally responsible for a guest’s injuries or damage to someone else’s property
A deductible is a key feature of many types of insurance coverage. It is the amount of money you pay out of your own pocket toward a covered claim. You’ll typically find deductibles for certain coverages in homeowners, renters and auto insurance policies. A policy may have multiple deductibles. For example, if your car insurance policy has comprehensive coverage and collision coverage, you likely have a comprehensive deductible and a separate collision deductible.
Being “underinsured” means a person has insurance coverage, but the limits may not be high enough to cover the full expenses of a claim. Take car insurance, for example: Each state requires auto liability coverage and sets minimum limits that drivers must purchase. To save money on auto insurance premiums, a driver might choose to purchase a policy with the minimum coverage limits.
If you cause an accident, however, the minimum liability coverage limits might not be enough to pay for all the damage. In that case, you may have to pay out of pocket for charges that exceed your coverage limits.
Life insurance can help protect your family members when they suffer the loss of a breadwinner or stay-at-home parent. Life insurance allows a family to help maintain its standard of living by providing income-tax-free money to help pay for funeral expenses, pay off the mortgage, set aside college tuition for the kids and help provide financial peace of mind after the loss of a loved one.
Set up a free insurance review consultation!
Setting up an insurance review is the first step in the direction of financial wellness.
Call us for details today. 404.233.7233