The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. We can help you determine the best coverage for your needs.
How much auto insurance is right for you?
Our team of insurance professionals understands the car insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) Although it’s not legally required by any state, you will probably need it if your car is financed.
Every person is unique – talk to us today to find out how to get the best price and value on car insurance for you.
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. James A. Ryan Insurance Agency, LLC helps you find the home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose. How much you'll pay for your policy depends on:
Options you select - Often home owner insurance options are priced individually, so how much you'll pay for your policy depends on what coverages you buy.
How much you want to cover - Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
Where you set your limits - You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value
The amount you pay for your home owners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.
Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique. Talk to us today to find out how to get the best price and value on home insurance for you.
Lawsuits don’t just happen to corporations and the extremely wealthy. The possibility of being held financially accountable for a large legal settlement is very real.
Personal liability umbrella insurance offers the extra protection you need to keep your dreams on track.
What is personal liability umbrella insurance?
Think of personal liability umbrella insurance as an extra layer of protection on top of the primary liability coverage that you already get with American Family auto, home, farm/ranch, commercial, recreational vehicle and boatowners policies.
Why do you need a personal liability umbrella insurance policy?
Let’s say someone – even a trespasser – injures himself while he’s on your property. If he sues you, the legal and medical costs could exceed your primary insurance limits, leaving you responsible for the rest. That’s where personal liability umbrella insurance comes in – it picks up where your current liability coverage ends for:
What does personal liability umbrella insurance cover?
Here are some examples of additional coverage provided by our policy. These coverages are subject to some limitations:
Personal Injury Protection — Provides coverage over your primary policy if you are sued for libel, slander, humiliation, defamation of character, wrongful eviction, invasion of privacy, wrongful entry, malicious prosecution, false arrest, detention or imprisonment.
Loss Assessments — Covers your share of loss assessments up to $100,000 levied against you, as an owner or tenant of your residence, by a corporation or association of property owners.
Worldwide Protection — Provides personal liability protection – as defined by the policy – for events that occur anywhere in the world. This includes renting or borrowing cars outside the United States.
Non-owned Watercraft — Provides liability protection for bodily injury and property damage as defined by the policy.
Contact us today to learn how our personal liability insurance protects you and your dreams.
Life insurance provides a degree of financial protection against the certainty of death and can help survivors achieve specific financial objectives. Life insurance death benefits are usually income tax free and can be used to complete a retirement, generate lifetime income, pay off a the mortgage, and provide funds for childcare, college educations and more. Life insurance policies that accumulate cash value can often provide tax-advantaged money to help meet retirement or emergency cash needs.
Select-a-Term — Term Life insurance provides death benefit protection for a stated time period. Coverage periods are from 10 to 30 years depending on the age of the insured. It is well suited for short term goals.
ROP Select-a-Term — Term insurance with a twist. This plan accumulates cash value during the term. The premiums paid for the coverage are returned to the policy owner at the end of the term.
Lifetime GUL — Guaranteed Universal life provides death benefit protection for a long time period – usually for a lifetime or a specific time period if designed that way. The premium payment period is guaranteed.
Survivorship Guaranteed Universal Life — SGUL covers two lives, where the death benefit is payable on the death of the second life. It is commonly used in estate planning, where the first spouse to die leaves his or her estate to the surviving spouse, utilizing the unlimited marital estate tax deduction; the estate then becomes taxable upon the death of the second spouse.
Business auto liability insurance helps cover the financial responsibility if you or an employee is at fault in an accident and people are injured or property is damaged. A minimum amount of commercial auto liability insurance (or proof of financial responsibility) is required in most states.
Some states also require underinsured motorist and uninsured motorist coverage to protect you when the at-fault driver is unable to pay the total cost. Collision or comprehensive insurance is often optional.
Who needs commercial auto liability insurance?
You need this protection if:
Is minimum commercial auto liability coverage enough?
Minimum required coverage varies by state, and typically is the same for both personal and commercial auto liability policies. Many companies opt for more than state-minimum coverage. The reason? If an injured party sues for a larger amount than is covered by a minimal policy, it could seriously threaten many small businesses.
Workers' compensation insurance (workers' comp insurance) is a mandatory type of insurance carried by many businesses. It also protects companies from being sued by employees for workplace conditions that can cause an injury or illness.
Who Needs Workers' Comp Insurance?
Workers' comp insurance is required by law in almost every state. Workers' comp laws are designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.
Workers' Comp Insurance Basics
Workers' comp insurance typically only covers injuries or illnesses when they occur as a result of duties performed on the job or while at work. Examples of injuries that may be covered by workers' comp insurance include injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.
Many state workers' comp programs do not provide coverage for injuries that occur while an employee is not acting within the scope of employment - such as while playing football with friends on a day off.
With James A. Ryan Insurance Agency, LLC, you can now avoid long lines at the Mass. Registry of Motor Vehicles (RMV). Visit us today.