Top Grade Insurance

where you have a friend in the insurance business.

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We guarantee fast and discrete handling of all your business tasks. Our team of highly qualified employees is available day and night – because your satisfaction is our highest priority. Paragraph

Give us a call and tell us what you are looking for. We are happy to assist you with any requests you may have.

What risks do we handle

Homeowner's and Renters Coverage

Types of Home Insurance Coverage


Within a Homeowners Insurance Policy, the following categories can help ensure your home and assets are adequately protected.


Dwelling Coverage

Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. You will likely want to buy enough dwelling coverage to cover the estimated cost to repair or rebuild.


Other Structures Coverage

Other structures coverage can pay for covered damages to detached structures like garages, sheds and fences on your property.


Personal Property Coverage

Personal property coverage can pay you for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.



Loss of Use Coverage

Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is subject to coverage terms and limits.



Personal Liability Coverage

Liability coverage can help protect you in the event of a claim and can provide a defense in the event of a lawsuit if you or a member of your household is responsible for causing bodily injury or property damage to others.



Home Insurance Deductibles and Limits

Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you're prepared to pay if you have a covered loss.


Your home insurance coverage limits (the amount of homeowners insurance you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of your dwelling limit.



Additional Homeowners Insurance Coverages


Special Personal Property Coverage


This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.


Contents Replacement Cost


Personal property replacement cost loss settlement coverage provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.


Additional Replacement Cost Protection Coverage


Additional replacement cost coverage can make available an additional amount to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.


Jewelry and Valuable Items


Does Homeowners insurance cover theft? Valuable Items Plus coverage can provide higher limits and expanded protection for special classes of property such as jewelry, silverware and furs.



Personal Articles Floater


A personal articles floater is a separate valuable items policy that is available should you need coverage or higher amounts of coverage for specific valuable items.


Water Backup and Sump Pump Discharge or Overflow


Does Home insurance cover water damage? If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.


Identity Fraud


Identity fraud expense reimbursement coverage can provide up to $25,000 that can help cover expenses to restore your identity if it's used fraudulently.



Green Home Coverage


This green home coverage provides additional protection that can help repair, replace or rebuild with green materials, after a covered loss occurs.


Automobile Coverage

Types of Car Insurance Coverage


Liability Coverage

Liability coverage includes both bodily injury and property damage liability coverage and is required in most states. Basically, if you cause an accident, hurt someone or damage someone's property, it can pay for covered damages and to defend you if a lawsuit results.




Comprehensive Coverage

Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. For example, theft, vandalism, hitting a deer or other animal, storms and certain natural disasters.




Collision Coverage

Collision coverage helps pay for damage to your vehicle if your car hits another car or object, gets hit by another car or if your vehicle rolls over. This coverage is generally required if your car is financed or leased.



Personal Injury Protection

Personal injury protection (PIP), also called no-fault insurance, is available in certain states. It pays medical expenses, and in some cases lost wages and other damages regardless of who is at fault in an accident.




Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage can help pay for damages and medical costs resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.



Medical Payments Coverage

Medical payments coverage helps pay for covered medical expenses for anyone injured while in your vehicle, regardless of who is at fault.



Deductibles and Limits


Your car insurance deductible is the amount you'll pay out of pocket before your insurance kicks in. The lower the deductible, the less you'll pay out of pocket if an accident occurs. Selecting a higher deductible may lower your auto insurance premium.


Your car insurance coverage limits, also referred to as limit of liability, are the most your insurance will pay if you have a claim. Choosing a higher coverage amount provides you additional protection if an accident occurs.


The available coverage limits may vary by coverage type and state. It is important to choose limits that meet your needs.



Loan/Lease Gap Insurance


Gap insurance – or loan/lease insurance – can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.


Rental Coverage


Rental reimbursement, or extended transportation expenses coverage, can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.



Roadside Assistance


With Roadside Assistance you can have peace of mind knowing that help is just a phone call away. And best of all - this service costs less than many independent services. 


New Car Replacement


New Car Replacement gives you the extra coverage you need. If you total your new car in up to the first five years, this coverage pays to replace it with a brand new car of the same make and model.  The amount of time depends on the carrier



Accident Forgiveness


Many responsible drivers are concerned about the possible premium impact of an accident or violation down the road. Many of our carriers includes accident forgiveness and minor violation forgiveness —two extremely popular features.



 



Our promise to you

Commercial Insurance at affordable prices

We have markets for most commercial risks:

Our specialty areas include:
Contractors

Landscapers

Builders 

Garage Keepers

Technology

Retail

Restaurants, Nightclubs and Food Services

Classic and restoration vehicle services


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