Personal Insurance
For many people, personal insurance is the only insurance they will ever need. Your personal insurance needs are very important to us and we regard those needs seriously. Gateway's personal insurance department has serviced the largest number of clients of all our divisions. You can expect the best in individual and family protection for your home, automobiles, boats, yachts and personal property.
In this section, you will find helpful information for understanding…
In addition, we have provided a link to what we believe is a helpful online service that can assist you in organizing important family information and documents.
Click here for a list of companies we represent.
We have also provided links to other helpful Web sites with information about credit reporting organizations, credit scores, flood and wind insurance, an insurance rating service, and the weather service.
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Auto Insurance
If you own a car, you need auto insurance for two primary reasons: 1) to protect one of the most expensive things you own, and 2) to cover your legal and financial responsibilities for damages and injuries in the event of an accident.
Your car is a valuable possession. You rely on it every day. Insurance protects your car by providing a way of handling the expenses that result from an accident, vandalism, theft, fire, or other causes. In addition, auto insurance secures your financial responsibility to the lending institution while financing your automobile purchase.
Auto insurance is also required by law. When you drive, you also assume responsibility for the safety of your passengers, other drivers, pedestrians, other people's property, and yourself. Insurance covers your liability for handling the costs associated with property damage and personal injuries to others and yourself.
Even though auto insurance is something you must purchase, there are ways to make sure that it doesn't cost more than necessary. In fact, depending on your situation, you may even qualify for certain discounts.
Here's an important reminder: Just because you have insurance, it doesn't mean that you have adequate or proper coverage. Our Gateway Insurance Agency staff can evaluate your coverage, answer your questions, and help you make the best decisions about your auto insurance coverage.
Seek Professional Guidance
Insurance agents and brokers, insurance counselors, financial planners, and other trained financial advisors can help provide answers to detailed questions about a particular policy. These professionals are also helpful in selecting the right policy and the appropriate amount of coverage.
Frequently asked questions about auto insurance
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Homeowners Insurance
Your home is probably your most valuable possession — an investment you want to protect. Homeowners insurance not only protects the physical structure and contents of your home, but also provides liability coverage if someone suffers physical injury or property damage while on your property. Of course, homeowners insurance also secures your financial responsibility to the mortgage company that financed your home purchase.
Homeowners insurance typically covers the following losses or damages: fire, smoke, theft, vandalism, lighting, hail, windstorms, breakage from heavy snow and ice, civil disturbances, explosions, freezing of plumbing, damages from heating and air conditioning systems, aircraft, falling objects, and other causes. Hail and windstorm coverage may be excluded from your homeowners policy and purchased on a separate policy through Citizens Property Insurance Corporation. Flood is always excluded and must be purchased on a separate policy.
Even though homeowners insurance provides broad and basic coverage that most everybody needs, it is a good idea to get the advice of an insurance agent to make sure there are no gaps in coverage and that you are properly covered.
Seek Professional Guidance
Insurance agents and brokers, insurance counselors, financial planners, and other trained financial advisors can help provide answers to detailed questions about a particular policy. These professionals are also helpful in selecting the right policy and the appropriate amount of coverage.
Frequently asked questions about homeowners insurance
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Life and Health Insurance
While most everybody knows a little bit about auto and homeowners insurance, many are confused by life and health insurance. Advertisements for low-cost term life insurance abound, and most news about health insurance seems to be negative. Nevertheless, protecting your life and health are important. Unlike cars and houses, life and health are irreplaceable.
Most people buy life insurance to cover the financial effects on the surviving family members when other family members die. Of course, most people think of death as something far off into the future — something that can be planned for well ahead of time and without major financial impact. However, the unexpected and early death of someone who is in his or her prime income earning years can be most disruptive. Regardless, some form of life insurance can be purchased to cover the event of death.
Health insurance covers medical expenses, which, right now, just seem to be getting higher and higher. If health insurance is one of your employee benefits, you are fortunate, and you probably don't think too much about the cost of health insurance. For those who must pay for their own health insurance, finding affordable and suitable coverage can be a chore.
Seek Professional Guidance
Insurance agents and brokers, insurance counselors, financial planners, and other trained financial advisors can help provide answers to detailed questions about a particular policy. These professionals are also helpful in selecting the right policy and the appropriate amount of coverage.
Frequently asked questions about life insurance
Frequently asked questions about health insurance