When shopping for insurance, most people are unaware that there are different kinds of agents they can work with. Choosing the right one can make a big difference in securing the best combination of price and value.
With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance. With an independent insurance agent, you wil get a variety of options to fit your needs. This is because an independent insurance agent represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances.
Experience the Modab Insurance Difference.
Insuring your car will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability and medical coverage.
Purchasing homeowner’s insurance can get confusing, and at Modab Insurance we understand this. Although you are not legally required to purchase home insurance as you are with car insurance, many mortgage companies are requiring it as part of their finance agreements with home owners. If you are faced with the sometimes daunting task of shopping for homeowner’s insurance, don’t fret! Modab Insurance is an independent insurance agency that can shop multiple carriers to get you the best home insurance policy available to you!
The need for earthquake insurance in high-risk locales is a no-brainer. Government and non-profit agencies may step in to help after a powerful earthquake causes widespread destruction, but red tape and other delays can prevent swift relief. Thoroughly researching the best policy for the money will reap the rewards of time well spent if an earthquake hits.
Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much even a few inches of water can cause serious damage; resulting in thousands of dollars in repair and restoration costs. Homeowners insurance does not cover floods. Purchasing a flood insurance policy through Stratton Agency can protect you.
The Value of Life Insurance – Life insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living.
Selecting your motorcycle is a big decision. Protecting your motorcycle is easy. Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.
Why Should You Have Renters Insurance? The answer is simple: you sleep better at night and feel better when you are away. Often, renters don’t realize that the owner/landlord has insurance for the building but what is inside your walls is not covered unless you insure it yourself. It doesn’t matter if you’re renting an apartment, a condo, or a home – most likely, your landlord’s policy is not going pay for that beautiful plasma TV or any other furniture or personal items in the event of theft or other common types of loss, such as fire or water damage.
What is Umbrella Insurance? Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. Basically, Umbrella Insurance policies protect you from liability issues the go beyond the liability limits of standard insurance policies, such as your homeowner’s insurance, car insurance, etc. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.
When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.