Additional personal insurance coverages fill gaps in your policies, offering more extensive protection where it matters most. These coverages can include everything from umbrella insurance for extra liability protection to specialized policies for valuables like jewelry, art, or collectibles.
Having these added layers of coverage ensures that you’re fully protected, no matter what life throws your way.
At Tooher-Ferraris Insurance Group, we understand that every individual has unique insurance needs. Our personalized approach ensures that you get the right coverage tailored to your specific lifestyle and assets. With decades of experience, a reputation for trust, and a commitment to customer service, we are dedicated to providing you with comprehensive protection and expert advice.
Umbrella insurance provides an extra layer of liability coverage above and beyond the limits of your home, auto, or watercraft policies. This coverage is essential if you face a significant lawsuit, as it can protect your assets and future earnings. Whether it’s a liability claim arising from an auto accident or an injury on your property, umbrella insurance offers extended protection for a wide range of situations.
Standard home insurance policies have limits on coverage for high-value items like jewelry, fine art, collectibles, and antiques. Valuable items insurance offers additional coverage to fully protect these prized possessions. Whether you’re concerned about theft, damage, or loss, this specialized policy ensures that your valuables are adequately protected, giving you peace of mind.
Identity theft can lead to financial loss, credit damage, and stress. Identity theft protection coverage helps mitigate the risks by offering financial reimbursement, legal assistance, and credit monitoring. This coverage ensures that if your identity is compromised, you have the support and resources to recover quickly.
Your pets are part of your family, and their health is important. Pet insurance helps cover veterinary expenses for accidents, illnesses, and routine care, ensuring your furry friends receive the best care without causing financial strain. From emergency surgeries to preventive care, pet insurance offers flexible options to suit your needs.
Flood damage is often excluded from standard home insurance policies. If you live in a flood-prone area, separate flood insurance is essential for protecting your property. This coverage helps repair or rebuild your home and replace belongings damaged by flooding, ensuring you’re covered even in the face of natural disasters.
Earthquakes can cause significant structural damage, and most home insurance policies do not cover this risk. Earthquake insurance provides financial protection if your property is damaged or destroyed by seismic activity. From foundation repairs to rebuilding, this coverage ensures you’re prepared for life’s unpredictable events.
If you own classic cars, ATVs, RVs, or other specialty vehicles, standard auto insurance may not offer adequate protection. Specialty vehicle insurance is designed specifically for unique vehicles, providing coverage for everything from physical damage and liability to specialized repairs. This ensures that your prized vehicles are fully covered, no matter how unique they are.
Wedding Insurance provides coverage against unexpected issues that could lead to financial loss, such as vendor cancellations, extreme weather, or venue problems. With the right policy, you can be reimbursed for deposits, rescheduled events, and even attire replacement if something goes wrong.
Traveling is exciting, but unexpected events like trip cancellations, medical emergencies, and lost luggage can quickly turn a dream vacation into a nightmare. Travel insurance offers comprehensive coverage for these situations, helping you recover costs and navigate challenges while away from home. From medical evacuation to trip interruption, travel insurance ensures your trips are worry-free.
Your life is unique, and so are your insurance needs. At Tooher-Ferraris Insurance Group, we’re committed to providing personalized coverage solutions that protect every aspect of your life.
Whether you’re looking to enhance your existing policies or need specialized coverage for specific risks, our experienced agents are here to help.
Contact us today for a personalized consultation and experience how our additional personal insurance coverages can give you the peace of mind you deserve.
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