Homeowners insurance covers more than just fire. Most policies also include coverage for wind, hail, water damage, theft, and personal liability. Don't forget about your stuff! Stern & Associates provides homeowners policies with coverage for your personal belongings too. Furniture, appliances, clothing, and even your dishes are protected. Worried about valuable items like jewelry?
Additional coverage may be available through an endorsement. Your homeowner's policy covers more than just your home. Every policy includes personal liability protection, which may cover injury or property damage to others caused by you or a member of your household. In addition, your policy includes medical payments coverage for minor injuries to people who don't live with you but are injured on your property.
If you own a home and rent it to others, you need a specific type of homeowner's insurance, known as a "dwelling fire" policy. Contact us to get a quote on this type of policy. Our auto policies provide coverage for legal liability caused by an accident or physical damage resulting from collisions or other incidents.
Additional coverage may be available through an endorsement. Your homeowner's policy covers more than just your home. Every policy includes personal liability protection, which may cover injury or property damage to others caused by you or a member of your household. In addition, your policy includes medical payments coverage for minor injuries to people who don't live with you but are injured on your property.
If you own a home and rent it to others, you need a specific type of homeowner's insurance, known as a "dwelling fire" policy. Contact us to get a quote on this type of policy. Our auto policies provide coverage for legal liability caused by an accident or physical damage resulting from collisions or other incidents.
Services
We are an Independent Insurance Agency offering the best overages for the best available prices.
Who needs flood insurance?
The answer is everyone.
What is a 100-year flood?
The term "100-year flood" is misleading.
It is not the flood that will occur once every 100 years.
Rather, it is the flood elevation that has a 1- percent chance of being equaled or exceeded each year.
Thus, the 100-year flood could occur more than once in a relatively short period of time.
The 100-year flood, which is the standard used by most Federal and state agencies, is used by the NFIP as the standard for floodplain management and to determine the need for flood insurance.
Who needs flood insurance?
The answer is everyone.
What is a 100-year flood?
The term "100-year flood" is misleading.
It is not the flood that will occur once every 100 years.
Rather, it is the flood elevation that has a 1- percent chance of being equaled or exceeded each year.
Thus, the 100-year flood could occur more than once in a relatively short period of time.
The 100-year flood, which is the standard used by most Federal and state agencies, is used by the NFIP as the standard for floodplain management and to determine the need for flood insurance.
We are an Independent Insurance Agency offering the best coverages for the best available prices.
Managing wealth successfully requires a broad range of solutions.
As an independent financial consultant, Bob Stern has the freedom to offer non-biased financial advice that works best for each of his clients.
Put your finances in the care of an experienced professional that delivers superior service and Insurance advice.
Call Bob and schedule an appointment today.
Bob Graduated from UNO with a BS in Economics.
Managing wealth successfully requires a broad range of solutions.
As an independent financial consultant, Bob Stern has the freedom to offer non-biased financial advice that works best for each of his clients.
Put your finances in the care of an experienced professional that delivers superior service and Insurance advice.
Call Bob and schedule an appointment today.
Bob Graduated from UNO with a BS in Economics.
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