By investing in the right insurance policy, you and your family will be protected and safe. Discover all of our personal insurance products. Our team at Evolution Insurance will work closely with you to guide you through the selection process to ensure you get the cover you need at an affordable price.
A property insurance policy offering coverage for a private residence is a combination of personal insurance protection (such as loss of home, its contents, living expenses, or personal possessions) and liability insurance for incidents that occur at the home or due to the homeowner's actions within the policy territory.
Protection from economic loss to an insured, due to bodily injury or property damage to others (liability) caused by the operation, maintenance, or utilization of a covered private passenger vehicle, is provided.
A personal umbrella policy provides extra liability coverage beyond your standard auto or homeowners insurance. It supplies coverage for you and your family members in your home from large and possibly destructive liability claims or judgments. In a nutshell, the policy begins when your other liability coverage limits have been reached.
Homeowner's policies are generally created to protect your home and its contents; however, coverage for valuable items such as jewelry, fine art, wine and spirits, antiques, and collectibles are limited and may not cover them if they get lost, stolen, or damaged. To feel secure in knowing that your special possessions are protected, a Valuable Articles Coverage policy can provide insurance for your collections.
Policies for boats may insure injury to the boat, motor, trailer, and personal items contained within it. These policies may include liability, medical payments, injury to a water skier, and damage to the boat, which is also known as hull coverage. It is important to remember that the availability of these policies varies according to the state and insurance provider. Despite the reasonable cost of boat insurance, shopping for the best rate can save you a large amount of money.
Flood insurance is a type of property insurance that provides compensation for any losses caused by water damage from flooding. This could include destruction due to heavy or prolonged rain, storm surges along the coast, the breaching of levees or dams, blocked storm drains, and sewage system backups. Standard business and homeowners insurance policies offer coverage for water damage resulting from a sudden and accidental event, such as a broken pipe or tornado, however, they do not cover damage from flooding. This is why you need an additional flood insurance policy to pay for any damage from floodwaters. A flood insurance policy can be obtained for any residential or commercial property located in a community that is part of the National Flood Insurance Program (NFIP).