Bozeman Insurance Agency

If you host a lot of parties and social events at your home, extra liability insurance coverage can ensure that you are completely covered – and that all of your assets are safe – if a guest has an accident in your home.

Are you worried that your customized or classic motorcycle can’t be insured. Relax, it’s fine. In fact, almost 100 percent of all makes, models and years can be insured, even if you built it from a kit.

Federal law guarantees you the right to purchase a Medigap policy regardless of your health and to receive the best rates available. We can walk you through the process.

Homeowners insurance is not only for single residence dwellings. Condominium owners should also consider carrying this type of policy for liability and personal property coverage; the association’s policy covers building damage.

When it comes to auto insurance, I thought all I needed to be concerned about was having the minimum liability coverage required in my state. That’s only partially true. Minimum requirements are generally quite low and only protect from getting a traffic ticket. If you have minimum coverage and are at fault in an accident damage above that limit, your personal property is at risk.

Age has its benefits – and one of those is lower premiums for your homeowners insurance. Check your policy, or with your agent, to find out what age triggers a senior citizen discount (it varies among policies) and claim the discount if you are eligible.

Do not forget that your prized watch is considered a piece of jewelry. If you own an expensive one, especially if it has sentimental or nostalgic value, make sure you have jewelry insurance that covers repair and replacement costs in the event something happens.

What affects your automobile insurance rates? There are a number of factors including: driving record, geographic location, age, gender, type of car, marital status, previous insurance records, and how the vehicle is used and stored.

When you own multiple properties, you face increasingly greater chances of someone being injured on one of them. Umbrella liability insurance covers you when someone gets hurt and your standard policy is not sufficient to handle the costs.

For insurance purposes, the most reliable jewelry appraisers are those who carry Certified Insurance Appraiser credentials. If you do not know where to locate one, your agent may be able to provide you with a list of those in the area.

If you are considering an Agreed Amount Value insurance policy for your boat, if a claim is filed when there is a partial loss, old parts are replaced with new – there is not a deduction for depreciation.

Do you have a home-based business? Most municipalities have laws regarding the types of insurance you must carry. These are coverages that are not found in homeowners’ policies and are intended to protect the business and the public.