SUPPLEMENTAL COVERAGE
Earthquake Insurance
Earthquake insurance is a separate policy that helps protect your home and personal belongings from damage caused by earthquakes. It can help pay to repair or rebuild your home, replace damaged personal property, and cover additional living expenses if your home becomes unsafe to live in after an earthquake.
Standard homeowners and renters insurance policies typically do not cover earthquake damage, which is why this coverage must be purchased separately.
Umbrella Insurance (Personal/Business)
Umbrella insurance (personal or business) provides extra liability protection beyond the limits of your existing insurance policies. It helps cover large claims or lawsuits that exceed the limits of your homeowners, auto, or business liability insurance.
​
For personal umbrella insurance, this coverage can help protect your assets if you are found legally responsible for serious injuries, property damage, or certain personal liability claims such as libel or slander.
For business umbrella insurance, it offers an additional layer of liability coverage above your general liability, commercial auto, or employers liability policies, helping protect your business from major financial losses due to costly claims or lawsuits.
Life Insurance
Life insurance is a policy that provides financial protection for your loved ones if you pass away. It pays a tax-free death benefit to your chosen beneficiaries, which can be used to cover expenses such as funeral costs, debts, mortgage payments, income replacement, or future needs like education.
​
Term life insurance provides coverage for a specific period of time (such as 10, 20, or 30 years). It is generally more affordable and pays a benefit only if you pass away during the term. Term life is often used to cover temporary financial responsibilities, like a mortgage or raising children.
​
Permanent life insurance provides lifetime coverage as long as premiums are paid. In addition to a death benefit, it can build cash value over time, which may be accessed through loans or withdrawals. Permanent life insurance is typically more expensive and is often used for long-term planning, estate protection, or leaving a legacy.
