Personal Insurance
Life is full of surprises, and that is unquestionable. It is, therefore, essential to have insurance coverage so that you can be well prepared for any misfortunes.
Insurance protects you against unforeseen expenses like medical care, car repairs, life expenses and home accidents. Since policies vary in coverage and availability, it is important to discuss your concerns and needs with an insurance professional at Giddings Agencies.
We have full and partial coverage policies and are happy to offer you vital insurance coverage for everything you own or rent. Whatever the insurance, we offer it all. Call and speak with our team today.
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Personal Insurance
Life is full of surprises, and that is unquestionable. It is, therefore, essential to have insurance coverage so that you can be well prepared for any misfortunes.
Insurance protects you against unforeseen expenses like medical care, car repairs, life expenses and home accidents. Since policies vary in coverage and availability, it is important to discuss your concerns and needs with an insurance professional at Giddings Agencies.
We have full and partial coverage policies and are happy to offer you vital insurance coverage for everything you own or rent. Whatever the insurance, we offer it all. Call and speak with our team today.
Ready to Talk?
The perfect home insurance coverage can offer you peace of mind based on your living, be it a condo, apartment, or house. It can also save you the additional expenses you may need to repair or replace your home and/or belongings.
You have to carry vehicle insurance if you operate and own a car in most States, and it is the main reason you come across multiple ads for better coverage, low rates, and more on billboards, TVs, and social media platforms.
You and your loved ones should have a secure future if the worst were to happen. Life insurance coverage may need to change and adjust as your family circumstances evolve over time. Appropriate life insurance is unique and dependent on financial and personal lifestyles.
The condo insurance we offer takes care of your personal property and much more. Keep in mind that your condo association might levy assessments against all owners and require them to pay a deductible if there is damage in common areas.
A renters insurance policy protects you, your family, and visitors against specific property damage claims and bodily injury for which you are accountable. Also, we may offer legal expertise if you are sued following a covered loss.
Our motorcycle insurance policy helps protect you and your motorbike. Indeed, most states necessitate bikers to have a minimum insurance cover to drive legally on the roads. A motorcycle insurance policy might contain the following: Property Damage Liability Coverage.
There are a variety of business insurance coverages available to address the specific risks faced by businesses. Choosing coverages should take into consideration your business’s needs. Businesses need business insurance to protect themselves from property damage and liability claims.
Our state has some of the most scenic regions for recreational vehicles (RVs). Breath-taking landscapes, big skies, and wide-open highways await you, especially during the summer, but a small problem can change everything if you lack the perfect RV insurance cover.
With our boat insurance policy, you can relax on the water without worrying about problems. A comprehensive boat insurance policy can save you money and ensure the safety of your family, friends, watercraft, and boating equipment. With the assurance of a safe water experience for you, your passengers, and your investment, you can enjoy yourself on the water.
Click the hotspots on the map & view risk factors & solutions.
There’s more to insurance than the price of the policy.
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Your Home
Risk Factor
Your home is where you live life with your loved ones. Losing it would could cost you more than you know.
Solution
It is vital that you ensure that your policies are adequate and will cover your losses & liabilities should the unthinkable happen. A solid homeowners policy should cover you from foundation to roof, as well as any potential property issues.
Medical Expenses
Risk Factor
It is possible that you may be required to pay any medical expenses incurred by a guest while on your property, even if it is caused by a friendly game of baseball.
Solution
Medical expenses coverage should be included in your homeowners policy to cover minor injuries and treatments. Having your own insurance coverage allows you to claim injury-related medical expenses in the event a person is injured on your property. A liability claim is usually not necessary to pay for medical expenses.
Fire & Smoke Damage
Risk Factor
As prepared as we may be for some events, fire is almost always devastating. The cost of temporary housing, replacement of possessions, and home repairs can be financially draining.
Solution
Replacement cost coverage without a cap should be included in your homeowners policy. If the reconstruction costs exceed your current coverage limit, you are protected. You should also ensure that your homeowners insurance covers the cost of rebuilding your house. Eventually, local building codes and ordinances may change, which could increase costs.
Personal Liability
Risk Factor
Your family and you may be responsible for injuries resulting from a slip and fall on your property.
Solution
In the event that you are deemed negligent in an incident resulting in an injury or damage to a third party, your homeowners policy includes personal liability coverage. To protect your assets against a lawsuit, you may wish to consider purchasing an umbrella or excess liability policy.
Personal Property / Damaged Property
Risk Factor
In the event of an unexpected event causing damage to your home, your personal property is also at risk. It is also possible to damage or destroy personal items such as furniture, appliances, clothing, electronics, and other items.
Solution
The contents of your home as well as other personal items that are in your home or owned by family members are often covered by homeowners insurance. Replacement cost coverage should be included in your homeowners policy so that you will always receive the full amount to replace damaged personal property.
Water Damage
Risk Factor
It is water damage that causes the most loss to a home, whether it enters from outside or from within your plumbing system. In many policies, losses due to backups of sewers or drains are not covered, and flood damage is not covered by most unendorsed homeowner policies.
Solution
The best way to prevent water damage to your home and belongings is to conduct a careful review. Insurers should provide coverage that includes sewer and drain backups. Assess whether you can prevent flood damage by identifying cost-effective solutions.
Umbrella/Excess Liability Coverage
Risk Factor
Having a backyard pool is a great way for guests to enjoy your outside spaces, however sometimes the unexpected happens and injury occurs.
When this happens it can lead to unexpected legal expenses and heavy financial liability. Have you considered the monies required to cover such an event?
Solution
Your personal liability limits are increased by adding an umbrella or excess liability policy over and above your current auto, boat, or homeowner's policy-providing you with real financial value and priceless peace of mind. A homeowners policy endorsement or separate coverage for excess liability is available.
Click the hotspots on the map & view risk factors & solutions.
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