InterCity Agency 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.

Automobile, motorcycles and recreational vehicles

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.

Umbrella coverage

Today, virtually anyone is at risk for a substantial personal liability judgement that may exceed coverage limits on your basic policies. The result may not only be the loss of your present assets, but attachment of your future earnings as well.

Umbrella coverage provides an excess layer of protection against claims in excess of existing policy limits, with surprisingly affordable premiums for substantial coverage limits. However, there are some pitfalls which can result in gaps in coverage, so you should consult with a knowledgeable insurance professional to ensure that you are properly protected.

Life insurance

Most people underestimate the amount required to see their children through college, or to allow a surviving spouse to maintain his or her standard of living. Selecting the right insurance product and coverage is key to meeting these needs.

The two basic types of coverage are term life, which provides the most affordable coverage, and permanent life insurance, which combines a death benefit with an investment component.

There are several types of permanent life policies which differ in the investment options involved. One of the most popular is Universal Life, which provides a market interest rate and payments that are generally lower than traditional whole life. Variable Universal Life allows you to choose between investment options, assuming both the risks and rewards associated with your selection.

Disability/income protection

In the event that you become injured or are otherwise unable to work, your family's expenses are unlikely to significantly shrink. In addition, you may be faced with high medical costs and other expenses related to your disability.

Depending on the nature of your disability and your occupation, your short term or long term earnings may be impacted once you return to work. Selecting an appropriate policy and coverages is essential to ensuring your family's financial health.