BHB Insurance Services offers family insurance policies. From Homeowner’s Insurance to Personal Auto Insurance, we’ve got you covered.
Auto Insurance
Through our years of experience we can prove time and time again that there is no substitute for having the professional support of an agent to guide you. Price is always a part of the equation, but the bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage. Talk to us about the unique features of our auto plans.
Homeowners Insurance
Generally speaking, most Homeowner policies provide coverage for your Home, the Contents of your home, and Other Structures such as a garage or shed.
If you have jewelry, furs, or collections of stamps, guns, or other valuable items, these should be scheduled specifically on your policy. Otherwise, there are dollar limits in the policy that could prevent you from being fully covered from a loss.
In addition, coverage can be provided for Personal Liability, Medical Expenses of Others that result from injury on your premises and Damage to the Property of Others while on your premises.
Identity Theft is of increasing concern these days, and you can be protected from the cost of such a loss by an endorsement to your Homeowners policy. Also, if you run a small business from your home your homeowner's policy can be extended to cover it – otherwise you'll have no coverage for your business property, nor for any liability claims arising out of your business activities.
Flood Insurance
Unless you have purchased a flood insurance policy, you will have no coverage for damage to your home or its contents caused by flood. Even if you do not live in a "special flood hazard area" you should still consider buying this coverage – half the flood claims paid out every year are on properties that are not in those areas.
Boats, Recreational Vehicles, Antique Autos, Motorcycles
If you own any of these we can insure them for you on policies specially designed for them. Don't assume they're covered on your Auto or Homeowners policy!
