Cover Your Valuable Assets: Home & Auto

Inside Your Home Insurance

H&A wants to protect your home – what will probably be the biggest investment of your life – with a Homeowners policy designed for you:

• Property Coverage: Your property extends beyond just the house itself. You need coverage for your exterior structures along with all of your contents. Additionally, you need to consider any costs associated with renting a living space if your house were to be badly damaged. What about your prized possessions like treasured jewelry or irreplaceable antiques or works of art? An H&A advisor will talk to you about your house and all the things you own in it to make sure they’re covered from catastrophes, including fire, theft, and vandalism.
• Liability Coverage: Generally speaking, the first thought of a claim that comes to a homeowner’s mind is damage from a bad storm or fire; the surprising reality here is that one of the most destructive occurrences is actually lawsuits alleging liability for a serious injury or expensive property damage. The Liability portion of your Homeowners policy will help in such circumstances by protecting your assets. It will pay for your legal defense and monetary settlements and judgments up to the policy’s limits.

If you have a swimming pool, a trampoline, certain dog breeds, or even teenagers, your Liability insurance needs higher limits. You may want to look into a Personal Umbrella policy that will extend your limits of coverage even further. We’ll also discuss with you the potential need for Flood insurance, which is not a covered peril under Homeowners insurance.

Inside Your Auto Insurance

Let us help you find the right Auto policy at the right price for you. Your policy can be designed to include:

• Liability Coverage: Provides you with the protection needed should you cause an accident that results in serious injuries, death, or costly damage to a singular or multiple The policy also offers medical and other expenses for your passengers or other victims.
• Coverage for Your Vehicle: We can insure your vehicle against damage from both collision and non-collision events. Collision coverage steps in if your car hits another vehicle; another car crashes into yours while parked; you drive into a stationary object, such as a tree, streetlight, or pole; crash into a ditch or a pothole; or your car flips over. Comprehensive coverage covers vehicle damage from natural disasters such as storms, tornadoes, hurricanes, earthquakes, and hailstorms. It also covers damage from the impact with an animal, such as a deer, as well as from falling tree limbs or flying road debris. Windshield damage, theft and vandalism are covered under Comprehensive coverage, as well.
• Uninsured/Underinsured Motorists: It’s possible that an individual with insufficient or no insurance will be at fault in an accident that harms you or damages your vehicle. In that unfortunate scenario, Uninsured/Underinsured Motorists insurance would respond.

Coverage for Collector Cars

H&A also provides specialized coverage for collector cars. Our Collector Protector Insurance Program includes the following features: agreed value of coverage, where your policy is guaranteed to be worth exactly what it was written for; single liability charge; flexible usage; zero deductibles; automatic new-purchase coverage; auto show medical reimbursement; the freedom to choose your repair shop instead of being limited to a list of a preferred selections; and in-house claims access to navigate you through the process in the event of a loss.

Our Commitment to You

At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow our team to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection for your insurance package.