Homeowner’s Insurance

VIP Insurance Solutions offers homeowner’s insurance policies ranging from basic coverage to fully tailored programs built to fit the individual needs of your family.

What does a Homeowners insurance policy cover?

•  Your Home

•  Other Detached Buildings such as garages and sheds

•  Your home’s contents and your personal property

•  Living expenses for alternate housing if your home is damaged

•  Personal Liability for you and your family if you’re involved in a lawsuit due to injury to someone or their property while at your home

•  Rest assured that with the professionals at CoVerica, your home will be protected with quality homeowners insurance products built to match your home and family’s needs.

 Auto Insurance

An auto insurance policy is required to operate a motor vehicle throughout the United States. A comprehensive auto insurance plan can protect you with liability coverage that pays for any injuries or damage you or other drivers in your family cause. Also, you are entitled to a vigorous legal defense, in any case necessary, which pertains to injured parties or to fend off illegitimate claims. We will help you select the appropriate coverage for automobiles, motorcycles, recreational vehicles and boats.

What does an auto insurance policy cover?

•  Collision Coverage – covers damage to your vehicle involved in an accident.

•  Comprehensive Coverage – covers damages to your vehicle from causes like fire, hail, theft, vandalism, or other covered events.

•  Bodily Injury – covers you against a claim or lawsuit if anyone other than you is injured in an accident that you or another covered driver has caused.

•  Property Damage Liability – coverage for damage you may have caused to another person’s vehicle or property as a result of an accident.

•  Medical payments – coverage for medical expenses for you, your family, and your passengers.

•  Uninsured/Underinsured Motorist – Coverage for a hit-and-run accident, an accident caused by someone with no insurance, or not enough insurance to cover your loss.

•  Rental Reimbursement – coverage that allows you to receive a replacement vehicle while your vehicle is getting repaired or replaced.

•  Towing & Labor – Provides you with towing for a disabled vehicle.

Health Insurance

A comprehensive health insurance policy provides you with financial protection from the unfortunate consequences of an accident or illness. There are many things to consider in choosing the right policy for you – speak to our experts about the details.

Health insurance is a way to manage the cost of health care. Health insurance companies collect premiums and pay out benefits. Covered services can include preventive care like routine check-ups and treatment for illness and injury.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

•  Health insurance covers essential health benefits critical to maintaining your health and treating illness and accidents

 •  Health insurance protects you from unexpected, high medical costs.

•  You pay less for covered in-network health care, even before you meet yourdeductible.

•  You get free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.

•  If you have a Marketplace plan or other qualifying coverage, you don’t have to pay the penalty that people without coverage must pay.

Life Insurance

A life insurance policy provides you and your family with peace of mind. After all, it’s nice to know that your loved ones are protected and can benefit from the fruits of your labor. To plan for the future implies you make certain commitments today. Life insurance is a crucial element of family planning, because it ensures the financial security of your beneficiaries, after your death.

VIP Insurance Solutions can discuss your goals and anticipated financial requirements to develop the most appropriate life insurance coverage. There are many varieties of coverage, so obtaining the “right” policy for you can be greatly facilitated by one of our professional, licensed agents.

We consult on the following types of life insurance policies:

•  Term Life Insurance
•  Permanent Life Insurance: Whole Life, Universal Life, Limited Pay and Endowment