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In the event of a loss, this is calculated by taking the replacement cost and subtracting the depreciation of damaged or stolen property.
A key part of any successful risk management program, this type of property insurance helps protect buildings that are under construction.
Applying to vehicles owned by or used for your business, this protects you against liability for any damages that might be caused by your assets. It also helps provide compensation for those inside business vehicles at the time of an accident.
Easily and conveniently package your property and liability insurance into a single policy, covering claims of bodily injury or property damage.
Coverage for damage to your vehicle that results from a collision with another vehicle or object.
Coverage for damage to your vehicle not caused by collision or upset. This coverage is subject to deductible. Examples include theft, vandalism, weather events and contact with animals.
The amount a policyholder agrees to pay before the insurance company covers a loss.
This is a type of liability insurance that protects one against personal losses if they experience a lawsuit as a result of serving as a director or officer of an organization.
A statement added to an insurance policy that alters, deletes or adds coverage, terms or provisions of the policy. An example would be additional coverage for sewer back-up.
This is uniquely designed to protect you against losses not covered by traditional liability insurance, such as lawsuits regarding any perceived negligent acts that result in a financial loss.
A type of property insurance that covers a building for losses sustained by floodwater damage, such as from an overflowing river or a hurricane’s tidal surge.
A strip of relatively flat and normally dry land alongside a stream, river or lake that is covered by water during a flood.
Protects the homeowner and the lender, should physical damage be done to a property from sources such as fire, wind or vandalism.
This is coverage for bodily injury or property damage for which you are at fault.
A form of personal liability insurance that extends coverage beyond the parameters of a regular underlying policy.
Property that is easily moved. This includes things such as furniture, clothing and household goods.
The actual cost of replacing damaged or destroyed property with new property of a similar type and quality, in contrast to actual cash value.
Additional coverage added to a homeowner’s policy for specific personal property items.
With this option, policyholders can usually increase coverage limits or add coverage for a spouse or children for an additional fee.
Seamlessly provide wage replacement and medical benefits to employees injured on the job.
Products and services offered through Gate City Insurance Agency are not FDIC-insured; have no bank guarantee; are not a deposit; are not insured by any federal government agency; may lose value.
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