Insurance Solutions For What Matters To You Most.

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Why Choose An Independent Agency?

The right insurance is about more than choosing the right company. It's about selecting coverage that fits your specific needs. Adisa Financial Assurance will provide the expert guidance to help you do both – so you can focus on your life, not on your insurance.
Take a few minutes to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can help meet your unique needs.


Learn More About Insurance

When it comes to Insurance, we've got you covered. Learn more about how our products can help you.

  • Auto Insurance
  • Homeowners Insurance
  • Life Insurance
  • Boat Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Flood Insurance
  • Business Insurance
  • Finanal Expense Insurance
  • ATV Insurance
  • Group Benefit Insurance
  • Condo Insurance
  • Landlord Insurance
  • Umbrella Insurance
  • Vacant Home Insurance
  • Roadside Assistance
  • Workers Compensation Insurance
  • RV Insurance
  • Accident Insurance
  • Mobile Home Insurance

We Are Proud To Represent Carriers Like:

What is Boat Insurance?
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Boating Insurance Coverages

Liability Coverage - pays for injuries and property damage to others as a result of a covered accident in which you are found to be legally liable. This may include pollution liability and wreckage removal depending on your policy.

Collision Coverage - pays for damages to your boat, motor, trolling motor, trailer along with the permanent and some portable boating equipment as a result of a covered accident with another boat or object.

Comprehensive Coverage - covers damages to your boat, motor, trolling motor, trailer and some permanent and portable boating equipment that are the result of events other than collision. For example, this can include damage from fire, theft or storms.

Uninsured or Underinsured Boater Coverage - Covers the insured for damages and bodily injury that you and any passenger of your boat sustain if injured in a covered accident involving an uninsured or underinsured boater and also in some cases a hit-and-run boater.

Medical Payments - Cover medical expenses for the treatment of injuries that are incurred by you or your boat passengers while operating or occupying your boat.

On-Water Towing and Labor Coverage - This coverage option pays for towing expenses and other emergency services up to pre-defined limits in the event your boat becomes disabled on the water.
Fishing Equipment Coverage - Specific coverage to help pay for damage to fishing equipment while on your insured boat or while being carried onto or off of your insured boat.

Personal Effects Coverage - pays replacement cost for damages or losses of your personal property while onboard or while being carried onto or off of your insured boat.

Contact us to learn more about the right boat insurance for you.
Boat Insurance protects your boat, its passengers and its owner in the event of a loss.
Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.
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What is Flood Insurance?

Three Important Facts About Your Flood Policy

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​​Flood insurance covers direct physical loss caused by “flood.” In simple terms, a flood is an excess of water on land that is normally dry. Here’s the official definition used by the National Flood Insurance Program.
A flood is “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is your property) from:

● Overflow of inland or tidal waters;
● Unusual and rapid accumulation or runoff of surface waters from any source;
● Mudflow; or
● Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.” *Mudflow is defined as “A river of liquid and flowing mud on the surfaces of normally dry land areas, as when earth is carried by a current of water…”
A Standard Flood Insurance Policy is a single-peril (flood) policy that pays for direct physical damage to your insured property up to the replacement cost or Actual Cash Value (ACV) (See “How Flood Damages Are Valued”) of the actual damages or the policy limit of liability, whichever is less.

1. Contents coverage must be purchased separately.

2. It is not a valued policy. A valued policy pays the limit of liability in the event of a total loss. For example:Your home is totally destroyed by a fire and it costs $150,000 to rebuild. If your homeowners insurance policy is a valued policy with a $200,000 limit of liability on the building, you would receive $200,000. Flood insurance pays just the replacement cost or ACV of actual damages, up to the policy limit.

3. It is not a guaranteed replacement cost policy. A guaranteed replacement cost policy pays the cost to rebuild your home regardless of the limit of liability. For example:Your home is totally destroyed by a fire and it costs $200,000 to rebuild. If your homeowners insurance policy is a guaranteed replacement cost policy with a $150,000 limit of liability on the building, you would receive $200,000. Flood insurance does not pay more than the policy limit.
Reminder: KEEP YOUR RECIEPTS!

While you are not expected to keep receipts for every household item and article of clothing, do try to keep receipts for electronic equipment, wall-to-wall carpeting, major appliances, and other higher cost items. Your adjuster will be able to process your claim more quickly when you can prove how much items cost at the time of purchase.

Choosing Deductables

Choosing the amount of your deductibles is an important decision. As with car or homeowners insurance, choosing a higher deductible will lower the premium you pay, but will also reduce your claim payment. You can normally choose different deductibles for Building Property and Personal Property coverage. The deductibles will apply separately to Building Property and Personal Property claims.Your mortgage company can require that your deductible is no more than a certain amount. Review the Declarations Page in your flood insurance policy for amounts of coverage and deductibles.Talk with your insurance agent, company representative, or lender about raising or lowering deductibles.
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Off-Road Vehicle Insurance | ATV 

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Don't let your adventures get cut short because you didn't get ATV insurance coverage for your ride! Your homeowners or auto policy may not adequately cover your ORV. Lucky for you, an agent can help you choose the right Foremost policy for your ORV, so you can go out and enjoy the trail while someone else takes care of the paperwork!

We've Got Your ATV Covered

Don't let your adventures get cut short because you didn't get ATV insurance coverage for your ride! Your homeowners or auto policy may not adequately cover your ORV. Lucky for you, Adisa Financial Assurance can help you choose the right policy for your ORV, so you can go out and enjoy the trail while someone else takes care of the paperwork!
  • Safety Apparel Coverage.
This provides up to $1,500 in coverage for damage to any clothing designed to minimize damage from an accident, including helmets and goggles.

  • Optional Equipment Coverage.
We include $500 for optional equipment coverage, depending on your policy. This covers any "extras" added to your ride, including towable trailers or sleds made for use with your ORV.
Annual Policies.
If the trail is calling, you don't want to miss it. No calls, no hassle with our annual policy you can insure your ORV even in the "off-season."

  • Medical Payments Coverage.
Hopefully never needed, but always important with off-road vehicle insurance, this coverage pays for the necessary medical care you receive as a result of an off-road vehicle accident.

  • Liability Coverage.
This broad coverage is meant for accidents involving your ORV (the coverage is for third-party injuries and property damage).
Increased Limits.
You can choose the limits that you want on your liability.

  • Collision Coverage.
Regardless of who is at fault, this covers your ORV in the event of damage caused by collision with other vehicles and trees or utility poles.
Other than Collision Coverage.
Provides coverage for out of the ordinary damages, such as fire, theft, flood or vandalism.

  • Trailer Coverage.
Provides coverage for a specifically designed trailer to transport your ORV (valued up to $7,500).
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How Auto Insurance Protects You

Auto Insurance Protects You On Three Fronts
  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Most states require you to buy some vehicle coverage. If you're financing a car, your lender may also require that you buy car insurance.
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The Six Primary Sections Of An Auto Insurance Policy

Your auto policy may include these six areas of coverage or a combination of them. Each is priced separately.

Bodily Injury Liability: For injuries the policyholder causes to someone else.

Medical Payments or Personal Injury Protection (PIP): For treatment of injuries to the driver and passengers of the policyholder's car.

Property Damage Liability: For damage the policyholder caused to someone else's property.

Collision: For damage to the policyholder's car from a collision. The collision could be with another car, a fence, a light post, a wall, etc.

Comprehensive: For damage to the policyholder's car that doesn't involve a collision. Coverage includes fire, theft, falling objects, explosion, earthquake, flood, etc.

Uninsured Motorist Coverage: For treatment of the policyholder's injuries as a result of collision with an uninsured driver. Additionally, underinsured motorist coverage can also be included in the policy. Underinsured motorist coverage is for when an at-fault driver has auto liability insurance, but the limit of insurance is insufficient to pay your damages.
Each state requires that you have certain types of coverage combination with minimum liability limits. Talk to your agent about the type of coverage at a premium you can afford.
Footnote: This is a brief overview of how automobile insurance works. You should read a policy thoroughly before purchasing any insurance policy.
If you have an accident, auto insurance can help protect you against financial loss. Very simply, it is a contract between you and the insurance company. You agree to pay a premium and the insurance company agrees to pay for your losses, due to an accident, as defined in your policy.
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Landlord Insurance For Rental Properties​ | Renters Insurance For Tenants

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How Your Landlord Policy works For You

Comprehensive Property Coverage.
This means we cover most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy.
Named Peril Coverage.
This means we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

Optional Replacement Cost.
Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

Agreed Loss Settlement.
If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.

Actual Cash Value.
In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.
Extended Replacement Cost.
You can receive an additional 25% of the insured amount, to replace your home! (not available in all states)

Liability Coverage.
This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.
We also offer choices to help protect you as a landlord:

Loss of Rents
Liability limits
Personal Injury
Landlord
Other Structure
Repair Cost
Water Damage from Sewers and Drains

What Renters Insurance Covers

Renters insurance is an insurance policy that can cover theft, water backup damage, certain natural disasters, bodily injuries and more in a rented property. If you rent an apartment, home or even a dorm, renters insurance is recommended for protecting your space and belongings in the event of a covered accident. Get a free renters insurance quote in minutes.

Basic Renters Insurance Coverage

Contents
Helps protect your furniture, clothing & other items from covered losses.
Loss of use
Provides reimbursement for additional living expenses when a covered loss prevents you from living in your home.
Personal liability
Get help paying for covered damage or bodily injury caused by an accident that occurs in your home.
Medical payments to others
May help pay for medical or funeral expenses for someone who is injured on your property.
Building additions & alterations
Pays for covered damages to additions, alterations, fixtures, improvements or installations that you make to your home.
Credit card coverage
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.
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What Your Homeowners Policy Covers

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Call Us Today For Your Free Policy Review

It's your home and you want to protect it with the right homeowner's insurance policy. To do this it's important to understand what a standard homeowner's insurance policy includes. There are four key components consisting of:

  1. Coverage for the structure of your home.
  2. Coverage for your personal belongings.
  3. Liability protection.
  4. Living expenses in case you are temporarily unable to live in your home due to a fire or other insured disaster.
1. Your house
This part of your policy generally pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It generally does not pay for damage caused by a flood, earthquake or just wear and tear. When purchasing coverage for the structure of your home, make sure to buy enough to rebuild your home. Also, review this coverage on an annual basis to make sure you have sufficient coverage.

2. Your personal belongings
Your furniture, clothes and other personal belongings are usually covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage between 50% to 70% (this is just an average, every policy is different) of the amount of insurance you have on the structure of your home. The best way to determine if this is sufficient is to conduct a home inventory, in case you need to increase your coverage. If you have questions about what is covered by a specific policy, contact us.
This part of your policy may also include off-premises coverage, which means that your belongings are covered anywhere in the world, unless you have decided against this coverage.
Expensive items such as jewelry and silverware are covered, but there are usually dollar limits if they are stolen. To insure these special items to their full value, consider purchasing a special personal property endorsement or floater and insure these items for their appraised value.
Trees, plants and shrubs are also covered under standard homeowners insurance. They are protected against theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered against damage by wind or disease.

3. Liability protection
Liability protects you against lawsuits for bodily injury or property damage that you or family members cause to someone else. It also pays for damage caused by your pets. So, if your child or dog accidentally breaks something in your neighbor's yard, you are covered. The liability portion of your policy also pays for both the cost of defending you in court and any court awards—up to the limit of your policy.
Liability limits generally start at about $100,000. Many recommend that you have up to $300,000 in coverage. Some people feel more comfortable with more coverage. You can also purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits.
Your policy also provides no-fault medical coverage. If a friend or neighbor breaks an ankle playing basketball in your back yard, he or she can simply submit medical bills to your insurance company. Expenses are paid without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage.

4. Additional living expenses
If your home is damaged because of a fire, storm or other insured disaster and you can't live in it, this coverage pays the costs of living someplace else while your home is repaired or you find another place to live. While your home is being rebuilt, hotel bills, restaurant meals and other living expenses are covered. Coverage for additional living expenses differs from company to company.
Footnote: This is a brief overview of the coverage that can be included in a Homeowner's Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.
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Coverage For Your Motorcycle
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Find out how you can save more with Multi-policy Discounts.
If you have a motorcycle, you want the best possible insurance coverages for your type of bike and the way you use it. And that means getting the coverages required by your state as well as valuable optional insurance features that give you the protection and peace of mind you need when you take to the open road.

Custom Motorcycle Insurance 

Vintage Motorcycle Insurance

Your policy is tailored to your unique riding needs, with the option to protect:
Up to 12 bikes on one policy, with coverage up to $50,000 per bike
Your custom parts, up to $30,000 
Your custom bikes and trikes, up to $50,000
Your trailer
Our vintage motorcycle and scooter policies can help protect for your classic ride in the event of a covered collision, mechanical breakdown and other types of accidents.
To get an insurance quote for a motorcycle or scooter made in 1974 or earlier, call 1-877-242-5813.

Why Motorcycle Insurance Is So Important?

Motorcycle insurance is a great idea for a number of reasons. It protects riders and bikes in six critical ways:


  1. Rates are based on year-round coverage
  2. Pays medical bills for injuries
  3. Covers damage to the bike
  4. Offers liability protection for injuries to other people
  5. Covers damage to other vehicles in a collision
  6. Provides total loss coverage

To get a motorcycle insurance quote, call us at 1-877-242-5813.
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Insure Your Business

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No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract. The most common policy for small businesses is the Business Owners Policy (BOP).

Small Business Insurance Basics

Essential Coverage
Most small businesses need to purchase at least the following four types of insurance.

Property Insurance
Property insurance compensates a business if the property used in the business is lost or damaged due to such things as fire or theft. In addition to the building or structure, property insurance covers personal property such as office furnishings, inventory, raw materials, machinery, computers and other items necessary to a business’s operations. Depending on the policy, property insurance may include coverage for equipment breakdown, removal of debris after a fire or other destructive event, some types of water damage and other losses. It may also provide operating funds when the business is trying to get back on track after a catastrophic loss.

Liability Insurance
Any business can be sued. Customers may claim the business caused them harm due to a defective part, an error in a service or disregard for another person’s property. If the business is found liable, liability insurance pays damages, up to the policy limits, as well as attorneys’ fees and other legal defense expenses. It also pays the medical bills of anyone injured by or on the premises of the business.

Business Auto Insurance
A business vehicle policy covers cars owned by a business. The insurance pays any costs to third parties for bodily injury or property damage for which the business is legally liable, up to the policy limits.

Workers Compensation Insurance
In all states but Texas an employer must have workers compensation insurance when there are more than a certain number of employees. The minimum number varies from three to five, depending on the state. Workers Comp insurance, as this coverage is usually called, pays for medical care and replaces a portion of lost wages if an employee is injured in the course of employment, regardless of who was at fault for the injury.
If a worker dies because of injuries sustained while working, the insurance provides compensation to the employee’s family. An extremely small business, with one or two people working out of a home, may not need workers compensation insurance. But, it may need more property and liability insurance than what is offered by a typical homeowners policy.

Other Essential Types Of Business Coverage

Errors and Omissions Insurance/Professional Liability
Some businesses involve services such as consulting, design functions or representing the needs of others, which can lead to being sued by customers or clients, claiming that the business’s failure to perform a job properly has injured them or caused some sort of harm. Errors and omissions or professional liability insurance covers these situations. The policy pays the judgment for which the insured is legally liable, up to the policy limit. It also provides legal defense costs, even when there has been no wrongdoing.

Employment Practices Liability Insurance
Employment practices liability insurance covers (up to the policy limits) damages for which an employer is legally liable such as violating an employee’s civil or other legal rights. In addition to paying a judgment for which the insured is liable, it also provides legal defense costs, which can be substantial even when there has been no wrongdoing.

Key Employee Insurance
When certain key employees die or become disabled, income insurance can compensate the business. This coverage cushions some of the adverse financial consequences that results from losing a key employee.

Umbrella Policies
As the name implies, an umbrella liability policy provides coverage beyond the business’s other liability insurance policies. It is designed to protect against unusually high losses and provides protection when the policy limits of one of the underlying policies have been used to the limit. For a typical business, the umbrella policy protects beyond the general liability and auto liability policies. Additionally, if a company has employment practices liability insurance or other types of liability insurance, the umbrella could provide protection beyond the limits of these policies.
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Final Expense Coverage
A death benefit gives your loved ones money – typically, tax-free – that they may use to pay your final expenses in the event of your death. This benefit is often referred to as ‘burial insurance’ or ‘funeral insurance.’ However, it is typically a feature in whole life insurance coverage rather than a separate offering.
Accident Insurance
Most people aren't prepared to cover their daily living expenses, let alone ongoing financial obligations, if a disability would prevent them from working. Disability insurance can help provide peace of mind for your employees and their families.
Life Insurance
Life insurance is actually pretty simple – pay today to protect your loved ones after you're gone. But with so many types of life insurance out there, choosing the right one for your situation can be hard. We can help.
​Group Benefits
Protect the health & financial well-being of your employees and yourself with group insurance plans from Nationwide Employee Benefits
Term Life
To get a term life quote click here or call 1-877-242-5813

Permanent life insurance is a policy that covers you for your entire life, and usually builds “cash value” over time. There are three types of permanent life insurance policies:

Whole life insurance builds value based on a set schedule. You'll know the exact cash value of your policy at each anniversary. (If you take a loan or make a withdrawal from your policy , the cash value and death benefit will decrease.)

Universal life insurance earns a fixed interest rate on the cash value of the policy. While the interest rate may change over time, it will never dip below a guaranteed minimum rate.

Variable universal life insurance lets you invest your cash value in the stock market, so your policy value goes up or down based on the performance of your investments. The investment subaccount options in VUL policies are not offered for sale to the general public.

Permanent Life
To get a permanent life quote call 1-877-242-5813

How do I decide on a coverage amount?
Think about the amount of coverage you need and the lifestyle you want for your loved ones add up the balance of your mortgage, your credit card debt, and the amount you want to leave your beneficiary (for things like paying for college or paying off loans), then subtract your current savings. For a more detailed calculation,  get the worksheet (PDF).

Is the life insurance policy I get through work enough?
Keep in mind that employer policies generally don’t move with you if you change jobs, and go up in price as you age.  Many people are surprised to learn that the life insurance included as part of their benefits package is only one or two times their salary.  For most people, this amount does not cover their needs.

Determining the right insurance coverage for your needs is an important decision. For help with understanding the types of life insurance policies and choosing life insurance, call us at 1-877-242-5813
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Mobile Homes | Manufacured Homes Coverage

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Comprehensive Coverage.
This means we cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.

Optional Replacement Cost.
Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!

Agreed Loss Settlement.
If your home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible).  No hassles.

Liability Coverage.
This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.

We offer all the “EXTRAS!”

  • Additional Living Expenses
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency Removal Service and
  • Emergency Repair after a loss
  • Credit card and check forgery
  • Fire Department service
  • Food spoilage coverage
  • Popular coverage options to choose from:
  • Hobby farm or ranch liability
  • Identity fraud expense and management including monitoring
  • Incidental business liability
  • Personal injury
  • Water damage from sewers and drains
  • Earthquake coverage
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About Vacant Home Insurance

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While other insurance companies don't offer flexible coverages, Adisa Financial Assurance does and is there to help you save your money. Our Carrier specializes in great vacant home insurance coverage, which can be renewed for up to three years of coverage with pro-rated cancellation. Adisa Financial Assurance loves vacant homes! Many other companies shy away from insuring vacant homes, but not us. We make it easy for you to move, renovate your home or put it up for sale. And you won't get stuck paying for a longer term than you needed. Nice. Lucky for you, an agent can help you choose the right policy for your vacant home property, so you can relax while someone else takes care of the paperwork

What Vacant Home Policies Cover?

Named Peril Coverage.
This means we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

Vandalism and Malicious Mischief Coverage.
Many companies don't offer this important coverage on an unoccupied home, but we do.

Full 12 Month Policy.
This means that we offer flexible payment plans and a pro-rated cancellation, if you need to cancel before your year is up. We also offer options to renew for up to four years.

Agreed Loss Settlement.
If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.

Liability Coverage.
This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

Actual Cash Value.
In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects that age and condition of your home.
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