The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
There are two parts to car insurance. The most obvious is the part that relates to the car itself. Comprehensive coverage will reimburse losses due to dangers such as theft or vandalism. Collision coverage will pay to repair the car in the event of an accident. Such coverage is typically mandated by the bank or the company leasing the vehicle. In some states, additional medical, car rental and other coverages are offered.
The second part of auto insurance is the liability section. This is the section that covers the financial aspect that results from you injuring someone else in an accident. Most states require that drivers have at least some liability coverage.
If you own a home, a homeowners policy is a necessity. If a person is injured in your home, your policy will be your first line of defense. In addition, your policy will replace items that were lost or destroyed if a disaster, such as a fire, occurs.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
If you are renting the home or apartment you live in, renters insurance is essential to protect yourself and your belongings.
Renters insurance provides coverage if your home experiences a fire, is broken into, or even if someone gets injured there. Your items will be fixed or replaced, and any liability issues will be handled with a renter’s policy from S&T Insurance Agency. Whether you’re starting out, between homes, or downsizing, we’ll help you pick the renters insurance coverage that best fits your needs.
Motorcycle insurance allows the rider and the insurance company to share the risks that come with riding. The rider pays a fixed premium to an insurance company for coverage. The insurance company agrees to pay for certain losses that may occur during the span of the policy.
In most states, you are required to carry basic insurance to cover costs if you injure someone else in an accident. Many people rely on their insurance to protect them against personal loss in an accident. S&T Insurance Agency, has a range of policies to meet your needs.
Let S&T Insurance review your needs and make a recommendation for a policy that fits your unique needs. Contact us today to learn more.
Boat or Marine insurance is available for boats of all sizes including pontoon boats. Marine insurance covers proposed use including personal leisure, commercial use, or charter liners.
Boat policies can cover a variety of things from damage to your boat to personal effects in the boat. S&T Insurance Agency has a wide variety of policies to help you get the coverage you need.
Your time out on the water should be relaxing and fun. Be sure your watercraft and equipment is properly insured. S&T Insurance offers customized policies that meet your needs and your budget. Our partnership with multiple insurance companies allows us to find just the right coverage for you.