SecureOne Life is a professional organization with licensed specialist dedicated to providing clients with the highest level of attention and support.  Because we are independent, our priority is you, not the insurance company. We help families and businesses prepare, protect, and recover from life’s unexpected events.

As an independent insurance agency, we represent many different insurance companies which offer a wide variety of coverage options and price points. With our connections and knowledge of the market, we can often find a better value for your insurance dollar than you might find searching on your own. We do the shopping. You do the saving. In the end you get the right blend of price, coverage, and service.

We commit to listening to you and understanding your individual needs.  We know it is not just about finding a price you can afford; it is also about making sure you are appropriately covered so you do not end up underinsured.

Your home is one of your biggest assets. That is why it is important to do everything you can to protect it. We will help you plan for the unexpected with insurance coverage that is just right for your home and your family.

Homeowners insurance is not a luxury; it is a necessity. And not just because it protects your home and possessions against damage or theft. Virtually all mortgage companies require borrowers to have insurance coverage for the full or fair value of a property (usually the purchase price) and will not make a loan or finance a residential real estate transaction without proof of it.

WHAT A HOMEOWNER’S POLICY PROVIDES

A homeowner’s insurance policy has certain standard elements that provide what costs the insurer will cover.

DAMAGE TO THE INTERIOR OR EXTERIOR OF YOUR HOUSE

In the event of damage due to fire, hurricanes, lightning, vandalism or other covered disasters, your insurer will compensate you so your house can be repaired or even completely rebuilt. Destruction or mutilation from floods, earthquakes, and poor home maintenance is generally not covered and you may require separate riders if you want that type of protection. Freestanding garages, sheds or other structures on the property may also need to be covered separately using the same guidelines as for the main house.

Clothing, furniture, appliances, and most of the other contents of your home are covered if they are destroyed in an insured disaster. You can even get “off-premises” coverage, so you could file a claim for lost jewelry, no matter where in the world you lost it. However, there may be a limit on the amount your insurer will reimburse you.

If you own a lot of high-priced possessions (fine art or antiques, fine jewelry, designer clothes), you might want to pay extra to put them on an itemized schedule, purchase a rider to cover them, or even buy a separate policy.

PERSONAL LIABILITY FOR DAMAGE OR INJURIES

Liability coverage protects you from lawsuits filed by others. This clause even includes your pets! So, if your dog bites your neighbor, no matter if the bite occurs at your place or there’s, your insurer will pay their medical expenses.

Off-premises liability coverage often does not apply for those with renter’s insurance.

Read More

AUTO INSURANCE

When you buy or lease a car, it is important to protect that investment. Getting auto insurance can offer reassurance in case you are involved in an accident, or the vehicle is stolen, vandalized, or damaged by a natural disaster. Instead of paying out-of-pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.

When you buy or lease a car, it is important to protect that investment. Getting auto insurance can offer reassurance in case you are involved in an accident, or the vehicle is stolen, vandalized, or damaged by a natural disaster. Instead of paying out-of-pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.

Car insurance is designed to protect you against financial losses if you are involved in an accident or the vehicle is damaged in some way.

Most states require you to have minimum amounts of liability insurance coverage; some also require you to have other coverage types, such as uninsured motorist coverage.

The basic personal auto insurance mandated by most U.S. states provides some financial protection if you or another driver using your car causes an accident that damages someone else’s car or property, injures someone or both.

But to make the best decisions about purchasing other types of auto insurance coverage you might need, you will want to understand what is covered, what is not covered and what is optional. In addition to understanding types of coverage, you will also want to consider coverage amounts.

Why? Because state-required minimums may not cover the costs of a serious accident, so it is worth considering purchasing higher levels of coverage.

Here is a rundown of the types of coverage available—some are required; others are optional; all are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.

Read More

LIABILITY COVERAGE

WHAT IS LIABILITY INSURANCE?

The term liability insurance refers to an insurance product that provides an insured party with protection against claims resulting from injuries and damage to other people or property. Liability insurance policies cover any legal costs and payouts an insured party is responsible for if they are found legally liable. Intentional damage and contractual liabilities are generally not covered in liability insurance policies. Unlike other types of insurance, liability insurance policies pay third parties—not policyholders.

HOW LIABILITY INSURANCE WORKS

Liability insurance is critical for those who are liable and at fault for injuries sustained by other people or if the insured party damages someone else’s property. As such, liability insurance is also called third-party insurance. Liability insurance does not cover intentional or criminal acts even if the insured party is found legally responsible. Policies are taken out by anyone who owns a business, drives a car, practices medicine or law—basically anyone who can be sued for damages and/or injuries. Policies protect both the insured and third parties who may be injured because of the policyholder’s unintentional negligence.

Although commercial general liability insurance protects against most legal hassles, it does not protect directors and officers from being sued, and it does not protect the insured against errors and omissions. Companies require special policies for these cases including:

Errors and Omissions Liability Insurance (E&O): (Professional Liability) Errors and omissions insurance is a form of liability insurance. It protects companies against the full costs of a claim made by a client against a professional who provides advice or a service such as a consultant, financial adviser, insurance agent, or a lawyer.

Errors and omissions insurance often covers both court costs and any settlements up to the amount specified by the insurance contract. This kind of liability insurance is generally required for professional advice-giving or service-providing businesses. Without E&O insurance, a company can be held liable for up to millions in damages plus the fees associated with a legal team. E&O insurance helps mitigate or eliminate these potential liabilities.

Read More

Not sure what you need? Let us help you eliminate the guess work to make sure your life’s work is protected from the unexpected.

  • We can review your current plan or policies to insure they still meet your goals.
  • Let us provide a no cost insurance policy and/or plan review to make sure your life’s work is protected from the unexpected.
  • We can review any life changing events like weddings, death, college, divorce, new family additions, promotions, or home purchase.