Insurance Services | Personal
Your personal insurance needs are as diverse as your hobbies and lifestyle. Your car goes without saying, but the boat and motorcycle need coverage too. What about your valuable antiques or collectibles? A summer home, perhaps? Give Mosher a call today. We’re here to provide ample coverage that makes sense for you.
Personal automobile policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
Homeowners policies are written to cover your home for physical damage and protect the homeowner from any negligence associated with the property.
Motorcycle policies can be written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
Umbrella policies provide an additional layer of liability for the underlying policies (home, auto, boat, and recreational policies).
Coverage is activated when the liability limits of the underlying policy is exhausted, or when a claim develops that is not covered by the primary insurance policy.
Umbrella coverages are broader and provide bodily injury, personal injury, and property damage coverage.
Boats / Yachts
Is a policy that can include coverage for physical damage for the boat, motor, equipment, trailer and liability coverage.
Recreational vehicles are often referred as toys. Atv’s Snowmobiles, and Dirt-bikes are a few examples of recreational vehicles. Recreational vehicle policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
Valuable Items Schedule
Valuable items schedules are often put in place when the primary insurance policy puts a limit on the amount of insurance that will be paid if a specific type of item is damaged or stolen.
Fine Arts coverage can be endorsed to a policy to cover the actual value of precious art. Most policies do not automatically cover Fine Arts.
Most insurance policies exclude coverage for any type of water intrusion. Flood policies protects your property in the event of a flood.
Permanent Life Insurance
Permanent Life Insurance is a policy that is taken out with the intention of providing another source of income to surviving beneficiaries. It is payable on the death of the named insured.
Term Life Insurance
Term life insurance is usually purchased as an additional source of income for surviving beneficiaries in the event of the named insured’s death. This policy is purchased for a specific amount of time. Once that period of time has expired coverage ceases.
Insurance designed to pay the costs associated with dental Care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.
Individual Health Insurance
Individual health insurance can be purchased to cover a person for health conditions that may arise. Usually is more expensive than group health insurance. Pre-existing conditions may be excluded!
Long Term Care
Long-Term Care is an insurance product that helps provide for the cost of care beyond a predetermined period, often 90 days. The need for long-term care is determined most often by the inability to perform the basic activities of daily living, such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.