Do you know if these key areas are adequately covered?
Herzog provides the following types of personal insurance:
The single biggest investment you may make in life is your home. Are you sure you’ve protected your investment? Let us review your homeowner’s policy with you and make sure there are no gaps in coverage.
Basic Coverages Included in Homeowner’s Policies:
Property Damage Coverage
“Property Damage” coverage is designed to help pay for damage to your home and personal property.
“Other Structures” coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
“Personal Property” coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.
Personal Property Floater
A homeowner’s insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater provides coverage that is broader than the coverage in your standard homeowners insurance policy.
Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle “small” injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.
Additional Living Expenses
Where will you live if your home is badly damaged?
If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.
Other Forms of Building Coverage:
High Value- would it cost more than $1,500,000 to rebuild your home? If so we have specialized coverage plans that cater to high end homes.
High Risk- is your home or other property a hard to place property due to fire risk? If so we have options to help with placement and getting coverage put into place.
Landlord- Do you rent out residential property you own? Maybe it’s an investment, or maybe it’s a core source of income. Either way, you should consider protecting your property and your interests as a landlord.
Mobile and Manufacture Homes- Mobile and manufactured homes are different than other homes, and Farmers understands that mobile home owners have different coverage requirements too. That’s why Farmers Mobile and Manufactured Home insurance provides specialized coverage, designed specifically for the mobile home owner.
Condo and Townhome- this insurance allows you to select the coverage you want for the things you value most, like: Your condo - You're covered for accidental damage to improvements you make in your unit that your association's policy does not cover, up to your condo insurance policy limits.Your possessions - Insurance covers your personal belongings too, up to your policy limits. Your assets - Condo insurance can help protect your assets from liability claims if you are sued.
“I rent an apartment. I don’t need insurance- do I?”
Your landlord only insures the building you live in- not YOUR personal belongings!
Yes- you need Renters Insurance.
If there is a fire or other catastrophe, who will replace your:
Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss. Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system. Water damage can be as destructive as fire- don’t get caught without the right insurance!
Loss of use
Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.
Personal Liability coverage
This coverage gives you liability protection against claims caused by almost any unintentional act, and will help pay legal expenses to defend such a claim.
Discuss with us coverage for your valuable articles, such as jewelry, furs or collectibles, when their value is higher than the limits stated in your policy.
Contents Replacement Cost
This option extends the coverage on your personal property to include the ACTUAL cost of repair or replacement without deduction for the depreciation. There are, of course, policy limits, so ask us for details.
At our agency, we’ll personally review your coverage and help you get the most amount of coverage for the least amount of money!
Getting all the discounts you are eligible for?
Getting the personal service you deserve?
Satisfied with your agent?
We can offer you a wide variety of coverage options!
Auto Policy Definitions
Bodily Injury (BI) and Property Damage (PD)
Covers your liability for injuries you cause to other people and property damage for which you are at fault.
This coverage usually is expressed in a “split number” such as 100/300/100.
The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
The third number is the limit that your policy will pay for property damage per accident.
Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits. Please consult us to make sure you have adequate converge- we’ll be happy to help you!
Uninsured & Underinsured Motorist
Covers you when you are injured by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!
This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits. We would be happy to help you decide which deductible is right for you!
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism.
Hail and other “acts of God” are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.
We also have special policies for your classic vehicles in most conditions and most kinds of use.
Discounts When You Bundle!
For Your Home:
Affinity- is a discount for certain Degrees, Job Licenses, or Job Titles. Make sure you ask your Agent!
Sr. Defensive Driver (Ask your Agent about this)
YES (Youth Education and Safety - Ask your Agent about this)
Boat-If your boat is 50 feet or less in length, learn about the comprehensive and optional Boat insurance coverage offered by Farmers. Then speak to an agent and together design coverage for your vessel.
Personal Watercraft- Your Jet Ski, Wave Runner, or Sea Doo is certainly the source of much fun, yet it also carries its risks. Learn about the comprehensive Personal Watercraft insurance coverage.
Off-Road Vehicle- A great adventure can be cut short if your snowmobile, dirt bike, dune buggy, golf cart, or ATV is not properly insured. Learn about the comprehensive and optional Off-Road Vehicle insurance coverage.
Motor Homes and RVs-A typical Auto insurance policy may not properly safeguard your Motor Home. Motor Home insurance offers you comprehensive and optional coverage options.
Travel Trailers and 5th Wheels- Your everyday car insurance does not offer comprehensive protection for your Travel Trailer or 5th wheel. Speak to a Farmers agent to customize the right insurance coverage for your Travel Trailer.
Motorcycles-Our specialized Motorcycle policy provides outstanding standard and optional coverage, including coverage for accessories, safety-related gear, and much more. We accept a wide variety of motorcycles
A Universal Life Policy is designed to meet your needs like no other policy can!
With a Universal Life Policy, you can:Accumulate tax-deferred savings
Vary your premiums
Vary your benefit
Suspend payments periodicallyUniversal Life allows you the flexibility to make changes as your life circumstances change, without having to change your life insurance policy.
Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review. We can help you determine the amount of coverage you need, and show you how simple it is to get started!
Term Life Insurance
Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years. Once the term is expired, you must renew it, often at much higher rates. The policy only pays a death benefit if you die in that period of time. Term Insurance often has specific rules about when and how you can renew the policy. Term Insurance normally NEVER builds cash value. However, Term Insurance has the advantage of normally providing the highest death benefit for the lowest premium.
Ask us about which Life Insurance policy is right for you and your loved ones. We will be happy to explain the differences in simple, easy to understand terms.
Got Health Insurance? We can help! Herzog Insurance Agency represents multiple carries to help you get the best coverage for the most reasonable price. We represent Blue Cross (Anthem), Blue Shield, Health Net and more. Call us today to discuss your options; or you can visit our Health Insurance Website for a real-time quote!
Need personal more health insurance infomation from Chris.
International Insurance Products:
Atlas Travel® Insurance
Short-term travel health insurance for individuals traveling outside their home country.
Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you're looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.
Worldwide health coverage for students pursuing their education abroad
StudentSecure is designed to meet the insurance needs of international students traveling inside or outside of the United States. Whether you are looking for individual coverage or coverage for the entire family, our Select, Budget and Smart options have the features you need. These plans include coverage for emergency medical evacuation, sports, mental health, maternity (Budget and Select) and more!
Atlas Group® Travel Insurance
Short-term international health insurance for 5 or more traveling abroad
Atlas Group travel insurance is tailored for groups of 5 or more U.S. and non-U.S. Citizens traveling outside their home country for 5 days or more. This plan is appropriate for missionaries, students and business executives. It features medical coverage, emergency medical evacuation, and repatriation of remains.
International health coverage for business individuals taking multiple trips throughout the year
Atlas MultiTrip is available to individuals and their families who require annual medical insurance with coverage for multiple trips of 30 or 45 days duration or less, as elected by the insured. If you maintain medical coverage in your home country, Atlas MultiTrip is designed to take some of the risk out of your international travel. To view our full ratings, please see http://www.hcc.com
Domestic Insurance Products
This plan is provided by WorldTrips.com. Apply today and feel safer while traveling!
HCC Life STM® and STM Complete®
Short-term temporary health insurance for individuals living in the US
This plan is an appropriate solution for individuals in need of temporary medical coverage. Short-term medical insurance plan protects against unforeseen accidents and sicknesses, available to individuals between jobs, students, new employees waiting for coverage to begin, or any eligible person who is temporarily without health insurance coverage.
HCC Medical Insurance Services
HCC Medical Insurance Services LLC (HCCMIS), headquartered in the United States in Indianapolis, Indiana, is a full-service company offering international medical insurance and short-term medical insurance products designed to meet needs of consumers worldwide. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (NYSE: HCC), a leading Specialty Insurance group. HCC's major companies have a financial strength rating of AA (Very Strong) by Standard & Poor's and Fitch Ratings and A+ (Superior) by A.M. Best Company.
HCC Medical Insurance Services, LLC (HCCMIS) is a service company that is a subsidiary of HCC Insurance Holdings Inc. HCCMIS is regulated by the State of Indiana in our capacity as Third Party Administrator. HCCMIS has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency Ltd. Click here to learn more about Lloyd's.
HCC Life Insurance Company
For more than 30 years, HCC Life Insurance Company has been leading the way in medical stop loss insurance for employers who self-fund their employee benefit plans. HCC Life’s products, including medical stop loss, HMO reinsurance, medical excess, group term life insurance and short term medical insurance are backed by the financial stability of its parent company, HCC Insurance Holdings, Inc. (NYSE: HCC). HCC Life holds a financial strength rating of AA (Very Strong) by Standard & Poor’s and Fitch Ratings and A+ (Superior) by A.M Best Company.
International Major Medical Plan
This plan is designed for people coming to the USA for periods from 1 day to many years. The following link is exclusive for your agency.
The following examples are the most common uses.
Foreign Nationals visiting
Imigrating to the USA
USA citizens coming back to the USA after being outside the USA
Foreign Nationals living in their home country working for a US company
Foreign Nationals travelling to the USA and additional countries prior to returning to their home country
USAway International Major Medical Plan
This plan is designed for US citizens and US residents who are travelling outside the USA. The following link is exclusive for your agency.
The following examples are the most common uses.
Students studying abroad
Executives traveling overseas on work assignments
Travelers/Tourists who are seeking medical coverage, including medical evacuation, while outside the USA
Families traveling abroad on sabbatical
Missionaries traveling abroad to provide foreign aid
High Limit Accident Plan
This plan will allow individuals to purchase an AD&D policy which will cover a death from an accident. The following link is exclusive for your agency.
The following examples are the most common uses.
War Zone coverage
Life Insurance postponement
Special Event Insurance
Are you planning a wedding, retirement, or other special occasion event and need help making sure you are covered corretly? Our Agents can help you out by taking the stress out of getting insured properly.