Felix Zaremba & Co., Inc. can help you select the right coverages to protect your family's assets and their short and long term needs, if you die or become disabled.
Homeowner's and renter's insurance
Properly protecting your home and its contents is basic to your family's financial well being.
Policies are available for those who own a home, coop or condo, and for those who rent. Coverage will include the portion of the physical structure(s) that you own and your personal property. Your policy will also provide liability protection if others are injured on your property, and living expenses if your home is damaged or destroyed.
There are several essential coverages that are specifically not included in a basic homeowners policy, and require a separate policy or endorsement:
Flood insurance must be purchased separately
Coverage for valuables such as jewelry or works of art is severely limited unless covered by a separate endorsement
Many hazards associated with a home business are not covered without a special endorsement.
Most people are aware that substantial coverage limits are required to protect against the large awards being handed down by juries. What you may not know is that adequate uninsured motorist coverage is necessary to protect you in the event that the other driver does not have proper insurance coverage.
We can guide you through this and other complexities of today's auto policies, to ensure that you have the protection you need, without paying for costly coverages that are not necessary.
You do not have to be a millionaire to be sued like one. This policy provides excess liability coverage over and above that provided under your homeowner's and automobile policies.