Personal Insurance
Coates Insurance Agency's Personal Insurance products
provide our customers with protection for their homes,
automobiles and personal possessions, along with personal
liability coverages.
How we serve you is as important as what we provide.
First, we listen to you... we discuss your needs and
answer your questions. Next, we look at both your short-term
and long-term objectives and help put your insurance
and planning needs in perspective.
Coates Insurance Agency provides the following types
of personal insurance protection:
Personal Auto
This coverage has two parts. The first is the liability
section of the policy. It covers your financial responsibility
for injuring others and some coverage is required by
most states.
The second part covers the car itself: comprehensive
coverage reimburses losses from fire, theft or other
perils; collision coverage pays to repair losses caused
by an accident. Often this coverage is mandated by
leasing companies or banks. There are also ancillary
medical, car rental and other coverages which vary
by state.
Utilizing high deductibles on the physical damage coverages
can help reduce premiums. If you carry umbrella insurance,
you must be sure that you carry the required amount
of basic liability insurance to avoid a gap in coverage
for a serious accident.
Auto Insurance Quote
Boats / Marine
Can you be sure all boaters on the water today are
as safety conscious as you? And could you afford
out-of-pocket expenses of $4,500 or more? That’s
just the average cost for a boating accident. Now
is the time to give serious consideration to protecting
yourself, your passengers and your property in case
you’re ever involved in a boating accident.
What does boat insurance cover? Insurance needs differ
depending on the type of boat or watercraft you own.
Basically, boat insurance protects you against accidents,
vandalism, and insures you against liability.
Condo
Your condo is probably the single most important investment
you have. So you want the best protection at a reasonable
cost. With our policy, you'll get broad coverage for
your condo and personal belongings. . . even your boat!
And take advantage of special safety discounts, too.
For just pennies a day, get special protection for
valuable items, electronics and more. You can also
combine your condo and auto insurance into one package
that can save dollars, while providing extra coverage.
Flood
Did you know that your homeowners insurance does
not cover flood damage? Insurance against flood must
be separately obtained. A flood insurance policy also
reimburses you for the work that you and other family
members did to sandbag your homes, move furniture and
remove debris.
FEMA's maps are important when it comes to flood insurance
because if they show that your home sits in a 100-year
flood plain, you must buy federal flood insurance in
order to get a mortgage. If you live outside a high-risk
zone, or if you no longer have a mortgage, flood insurance
is optional.
Homeowners
If you have tangible assets, you need the protection
of a homeowner’s policy. These policies cover
you in a home or an apartment, whether you are an owner
or a renter. A well-written homeowner's policy will
pay to replace any of your personal property that is
destroyed in a fire or other disaster. The policy will
also be your first line of defense against a lawsuit
from someone injured at your home.
The cost of this coverage is determined by many rating
factors. The quality of the coverage, however, is determined
by the quality of the insurer and whether the policy
is written on a named perils or all-risk basis. A named-perils
policy covers only those losses specifically cited
in the contract. The all-risk policy works the opposite
way -- unless a peril is specifically excluded, coverage
is provided. The all-risk policy is broader and the
burden of proof is on the carrier not you in the event
of a loss.
Homeowners Insurance
Quote
Motorcycles
Whether you’re an enthusiast or a first-timer,
having fun, being responsible and being safe is what
it’s all about. Being responsible includes finding
the right insurance.
Motorcycle insurance is a way of sharing the risks
of driving between you and your insurance company.
The way it works is simple. You pay a set premium to
an insurance company for coverage. In return, the company
promises to pay for specific financial losses that
might occur during the term of the policy.
Most people rely on motorcycle insurance to protect
themselves against loss in case of an accident. In
many states, you must carry basic insurance to cover
the cost of losses you cause to others in an accident.
If the unexpected happens, insurance gives you peace
of mind in knowing you are protected. We have a variety
of motorcycle policy options to meet your needs.
Motorcycle Insurance
Quote
Personal Umbrella
You don't have to be a millionaire to be sued like
one. Million-dollar judgments against individuals for
negligence are still relatively rare. However, receiving
a lawsuit with a million-dollar demand is more common.
If you receive such a court summons and you have only
$100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of
mind"
for most types of negligence claims. Automobile accidents
are probably the most common source of serious claims.
This policy supplements your basic automobile liability
with extra million-dollar layers of protection. It
also covers other types of catastrophic claims such
as a neighbor's child drowning in your pool or the
delivery man being seriously injured by falling over
your child's toys.
Renters
As a renter, you need to protect your personal property
against theft and damage. Our renters insurance is
hard to beat for convenience and value. Plus, we'll
assure you the peace of mind you need for your valuable
items and electronics.
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