Insurance Services Our Agency Offers

Auto Insurance

For most of us, our cars are one of the biggest investments we make, and to experience a loss could be financially devastating. Auto insurance can cover more than just the repairs on your vehicle. Depending on the coverage you choose, your insurance can:

	Cover medical expenses associated with an accident
	Pay for losses caused by underinsured or uninsured drivers
	Reimburse you for damages suffered because of vandalism, natural disasters or theft
	Pay for legal representation in case of a lawsuit.

Understanding Common Insurance Terms

Every auto policy offers certain coverages. Often times the terms may be confusing to all but insurance professionals. Here is a quick reference guide for the terms that are most commonly used. However, you should read your own policy carefully. If you do not understand any aspect of your policy, take the time to review it with your agent.

Required Auto Coverages

Bodily Injury: If you injure someone in a car accident, this coverage pays that person's medical and other expenses and any damages for which they may sue you.

Property Damage Liability: If you are at fault in an accident and you damage someone else's property, this coverage pays to fix it.

Medical Benefits: This coverage pays medical bills for you and others covered on your policy, no matter who was at fault in the accident.

Personal Injury Protection: An extension of car insurance available in some states that covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with "no-fault" laws.

Uninsured/Underinsured Motorist: If you are injured in an accident and the person who hits you doesn't have enough insurance, this coverage will pay for your losses and damages, including your medical bills, lost wages and pain and suffering. It usually makes sense to purchase the same level of this coverage that you have for bodily injury liability.

Optional Personal Auto Coverages*

Collision: This coverage will pay to fix your car in the event of a collision.

Comprehensive: This coverage pays for theft as well as damage to your car from hazards, including fire, flood, vandalism or striking an animal.

Rental Reimbursement: This coverage reimburses you if you must rent a vehicle while your vehicle is being repaired following an accident.

Roadside Assistance: This coverage reimburses you if you must tow your vehicle following a breakdown or accident.

Additional Personal Injury Protection: Increases your protection over and above the limits of the required coverage.

Homeowners’ Insurance

Direct Insurance will find the lowest rates possible for the coverage that you need to protect your home or condo and your belongings.

Renters’ Insurance

Your landlord’s insurance isn’t enough when it comes to protecting your belongings as a renter. Keep yourself from being left with nothing in the event of a burglary or fire.

Mobile Homes

Look to Direct Insurance to provide you with the coverage for your mobile home that will cover your personal belongings, unattached structures, and will give you the comfort of knowing that you have personal liability protection.

Motor Homes and Travel Trailers

When you need comprehensive protection for your motor home that is going to cover more than your average auto insurance policy, we can help you. We offer comprehensive coverage for protection from just about any direct, sudden, and accidental loss, including collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft, and lightening.

Motorcycle

Make the best insurance coverage choice for the type of riding you plan to do and keep it within the limits of your budget. Ask one of our representatives about the minimum amount of liability coverage laws in your state to find out what the policy will be for you.

Boats

Ask us about the discounts that could help you save on your rates. We may be able to offer you a discount for the following:

	Multi-Unit
	Renewal
	Prior Insurance
	Affinity Group
	Boating Safety Course
	Actual Cash Value
	Safety Equipment
	Multi-Policy

Jet Skis

Select the best coverage for you!

Standard coverage includes the following:

	Physical Damage
	Liability Coverage
	Or You Can Choose Liability Coverage Only

ATV

Direct Insurance offers the coverage that fits your lifestyle, even when that lifestyle takes you down the roads less traveled. Ask us about our new off-road vehicle program.

Payment Options

We have a variety of flexible payment options to help keep the coverage you need within your budget. We can also increase the deductible to help keep the cost of coverage affordable.

Insurance Carriers

Direct Insurance has worked hard to establish partnerships with top-rated insurance carriers to allow us the opportunity to offer our policy holders with the best rates available.

COMPANIES WE PROUDLY REPRESENT: