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Personal Insurance Coverage

There is a wide array of specialty insurance products to protect your home, autos, rental property, and other valuable personal assets. This classification of insurance called personal insurance, which comprises several subcategories like auto insurance, disability insurance, health insurance, homeowners insurance, life insurance, long-term care insurance. In overall, personal injury protection coverage – also known as PIP – not only covers reasonable and necessary medical and hospital expenses when an insured is involved in a covered loss, but also can help you with other expenses while you’re healing. Here is a summary of the major subclasses of personal insurance.

 

Auto Insurance

Auto insurance safeguards you against financial loss if you have an automobile accident. It is a contract between the owner of a vehicle and the insurance company insuring the vehicle. Should an accident occur, auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car; liability coverage pays for your legal responsibility to others for bodily injury or property damage; medical coverage pays for the cost of treating injuries rehabilitation and sometimes lost wages and funeral expenses.

 

Disability Insurance

Disability insurance, also know as ‘Paycheck Protection’,  protect your income if you were to become injured and unable to perform your job, disability insurance protects your family’s economic well-being. Disability insurance is a form of insurance that insures the beneficiary’s earned income against a disability which would inhibit them from working. It includes paid sick leave, short term disability benefits, and long-term disability benefits.

Home Insurance

Home insurance provides reimbursement for damage or destruction of a home from a peril. In some geographical areas, additional coverage is required for types of disasters, such as floods and earthquakes. Home Insurance also, provides coverage for additional buildings such as detached garages, and personal property like furniture.

 

Health Insurance

Health insurance is a product that will pay specific amounts for medical expenses or treatments. Health policies can offer many options and vary in their coverage. The contract can be renewable annually or monthly. The type and amount of health care costs that will be covered by the health insurance company are specified in advance.

 

Life Insurance

Life insurance provides a monetary benefit to a descendant’s family or other designated beneficiary and may specifically provide for income to an insured person’s family as well as money to pay for the funeral and other final expenses. Life insurance policies often have a variety of options that enhance the basic coverage of the plan.

 

Long-Term Care Insurance

Long-term care provides for the cost of care beyond a predetermined period. Long term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring and walking.

Mailing Address: 

1429 County Route 38

Parish, NY 13131

Toll Free: 877-717-7234

Fax: (315) 968-9415

Email: advisers@pcfginsurance.com

Agency Hours:

Mon - Fri: 9:00am - 5:00pm

Sat - Sun: Closed

* If you need assistance outside normal business hours, please schedule an appointment with an adviser.

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