Products
Auto Insurance
Other-than-Collision
Pays to insured for loss or damage to auto for perils such as fire and theft. It is available with a deductible which may be adjusted for premium savings.
Collision
Pays to insured for loss or damage to auto by upset or collision. It is also written with a deductible that may be adjusted to save premiums.
Auto Liability
Protects the insured and those driving with the owner's consent against legal liability claims arising from accidental injury or property damage of others.
Home Insurance
HO-3
For people who own their home, the HO-3 is a comprehensive insurance policy which provides coverage for dwellings as well as for personal property. This policy extends coverage to several additional types of claims that may not be covered in other policies.The policy may be amended to cover additional risks such as increased limits for more valuable items or a home based business.
The HO-3 pays full replacement cost without depreciation provided insurance is adequately maintained. Replacement value should not be confused with market value. It is Construction cost normally determined on a per-square-foot basis. Insurance companies will assist you, through your agent, with cost estimates that will help you and your agent determine the replacement of your property.
If your home has been damaged or destroyed by fire or other insured hazards, making it unfit to live in, the policy provides coverage for increases in necessary living expenses incurred so that your household can maintain its normal standard of living. With the emotional trauma that can accompany such an event, it is comforting to know that this option may exist.
Business Insurance
Package policies, combining many or all of the coverages needed by a given type of business, are available for most businesses and professions. These policies may include fire, general liability, plate glass, business interruption and crime protection in a single package policy. There are special package policies tailored to small business owners or to professional businesses. If you do not have a package policy, there may be one which fits your business needs at a savings.
Call Case & Son today and ask that a survey be completed on your business insurance needs.
Annuities
An annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a guaranteed minimum amount, such as your total purchase payments.
Call Case & Son today for more information on annuities.