Your personal insurance coverage is so much more than just a promise of financial reimbursement; it’s how you ensure that your loved ones are protected and your way of life is secure. At Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency, we understand that our clients are entrusting us with the financial care of their family, home, transportation, and more. We offer a long list of specialty coverages to protect your personal insurance needs, as highlighted below.
Most renters are not aware that their landlord’s insurance policy only covers the damage to the building, not the renters’ personal possessions. Therefore, if a fire, for example, occurred and ruined your furniture and other personal items, without a proper renters insurance policy, you would not be financially protected. Renters insurance also covers your personal liability should someone be injured in your home, as well as theft, smoke damage and water leakage.
A robust flood insurance policy will keep you afloat should a disaster of this kind occur. Too often, homeowners believe that their standard homeowners insurance will cover a flood. Unfortunately, many of these individuals are shocked to discover that they are not covered and find themselves facing hefty financial consequences from the unforeseen damages of a flood. We understand the unique flood risks faced by individuals throughout Washtenaw County and know how suddenly a disaster can strike. We offer flood insurance options to help protect you in the event of loss.
Comprehensive motorcycle insurance keeps you riding and prevents you from facing substantial financial loss from damages due to a collision or theft. Key coverages include:
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Medical Payments
- Uninsured/Underinsured Driver Coverage
Whether you are trekking across country and using your RV as your home, or going camping on the occasional weekend, it’s important to have the right type of insurance company for this investment. We understand the unique state liability insurance requirements your RV must meet as well as the legal defense costs you could face as an RV owner. Our comprehensive RV insurance policy protects you against perils such as: gas leaks, fire, theft, collision, vandalism and more.
The right boat insurance policy keeps you sailing on with complete security, whether you are out on open water, fishing or going water skiing. Unforeseen boating accidents could result in high medical costs, boat repairs, and even litigation. Comprehensive boat insurance coverage will offer all the features to keep you out of hot water, including:
- Liability Coverage: Protects you if you injure someone with your boat or damage his or her property, even if it is unintentional.
- Full Value Coverage: Provides reimbursement for your boat in case of a total loss.
- Accessory Coverage: Includes trailer, hull and machinery, rigging, tender, outboard and more.
- Medical Payments: Covers the medical costs needed to reimburse you or anyone injured on your boat or by your boat.
Inland Marine Insurance
A personal inland marine insurance policy is designed to protect specific property, such as jewelry, a stamp collection and fine art, with broad coverage. Your homeowners coverage provides limited coverage for such items so it’s important to get proper appraisals for expensive and valuable items to insure their worth properly. Also important is keeping an inventory of these items in the event of a loss. Our personal lines agents will review your valuables and provide options for insuring them. This may include a rider to your existing home insurance coverage or a separate policy or floater.
Personal Umbrella Insurance
Personal umbrella insurance is a broad coverage that allows you to increase your liability protection in response to a wide variety of risks. This insurance policy goes beyond the standard financial liability limits available under a typical homeowners or auto insurance policy, and covers you for a higher amount against unpredictable loss exposures. An effective umbrella insurance policy will work hand-in-hand with your current primary personal insurance policies to provide you with the most comprehensive coverage possible.