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Your personal insurance needs are as diverse as your hobbies and lifestyle. Your car goes without saying, but the boat and motorcycle need coverage too. What about your valuable antiques or collectibles? A summer home, perhaps? Give Mosher a call today. We’re here to provide ample coverage that makes sense for you.
[/et_pb_text][et_pb_image src=”https://mosherinsurance.com/wp-content/uploads/2019/05/family.jpg” _builder_version=”3.22.6″][/et_pb_image][/et_pb_column][et_pb_column type=”1_2″ specialty_columns=”2″ _builder_version=”3.0.47″][et_pb_row_inner _builder_version=”3.22.6″][et_pb_column_inner type=”1_3″ saved_specialty_column_type=”1_2″ _builder_version=”3.0.47″][et_pb_blurb url=”/insurance-services-business/” image=”https://mosherinsurance.com/wp-content/uploads/2019/05/briefcasemosher2.png” content_max_width=”400px” admin_label=”Business” _builder_version=”3.22.6″ header_font=”||||||||” header_text_align=”center” body_font=”||||||||” body_text_align=”center” parallax=”on” border_radii=”on|15px|15px|15px|15px” border_color_all=”#ffffff” text_orientation=”center” custom_margin_last_edited=”on|desktop”]Personal automobile policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
[/et_pb_accordion_item][et_pb_accordion_item title=”Homeowners” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Homeowners policies are written to cover your home for physical damage and protect the homeowner from any negligence associated with the property.
[/et_pb_accordion_item][et_pb_accordion_item title=”Cycles” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Motorcycle policies can be written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
[/et_pb_accordion_item][et_pb_accordion_item title=”Personal Umbrella” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Umbrella policies provide an additional layer of liability for the underlying policies (home, auto, boat, and recreational policies).
Coverage is activated when the liability limits of the underlying policy is exhausted, or when a claim develops that is not covered by the primary insurance policy.
Umbrella coverages are broader and provide bodily injury, personal injury, and property damage coverage.
[/et_pb_accordion_item][et_pb_accordion_item title=”Boats / Yachts” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Is a policy that can include coverage for physical damage for the boat, motor, equipment, trailer and liability coverage.
[/et_pb_accordion_item][et_pb_accordion_item title=”Recreational Vehicles” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Recreational vehicles are often referred as toys. Atv’s Snowmobiles, and Dirt-bikes are a few examples of recreational vehicles. Recreational vehicle policies are written to cover the vehicle for physical damage and protect the owner from any negligence associated with the vehicle.
[/et_pb_accordion_item][et_pb_accordion_item title=”Valuable Items Schedule” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Valuable items schedules are often put in place when the primary insurance policy puts a limit on the amount of insurance that will be paid if a specific type of item is damaged or stolen.
[/et_pb_accordion_item][et_pb_accordion_item title=”Fine Art” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Fine Arts coverage can be endorsed to a policy to cover the actual value of precious art. Most policies do not automatically cover Fine Arts.
[/et_pb_accordion_item][et_pb_accordion_item title=”Flood” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Most insurance policies exclude coverage for any type of water intrusion. Flood policies protects your property in the event of a flood.
[/et_pb_accordion_item][et_pb_accordion_item title=”Permanent Life Insurance” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Permanent Life Insurance is a policy that is taken out with the intention of providing another source of income to surviving beneficiaries. It is payable on the death of the named insured.
[/et_pb_accordion_item][et_pb_accordion_item title=”Term Life Insurance” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Term life insurance is usually purchased as an additional source of income for surviving beneficiaries in the event of the named insured’s death. This policy is purchased for a specific amount of time. Once that period of time has expired coverage ceases.
[/et_pb_accordion_item][et_pb_accordion_item title=”Dental Insurance” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Insurance designed to pay the costs associated with dental Care. Dental insurance pays a portion of the bills from dentists, hospitals, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.
[/et_pb_accordion_item][et_pb_accordion_item title=”Individual Health Insurance” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Individual health insurance can be purchased to cover a person for health conditions that may arise. Usually is more expensive than group health insurance. Pre-existing conditions may be excluded!
[/et_pb_accordion_item][et_pb_accordion_item title=”Long Term Care” open=”off” open_toggle_text_color=”#000000″ open_toggle_background_color=”#ffffff” closed_toggle_text_color=”#000000″ closed_toggle_background_color=”#ffffff” icon_color=”#e02b20″ _builder_version=”3.22.6″ title_text_shadow_horizontal_length=”0em” title_text_shadow_vertical_length=”0em” title_text_shadow_blur_strength=”0em” body_text_shadow_horizontal_length=”0em” body_text_shadow_vertical_length=”0em” body_text_shadow_blur_strength=”0em” custom_margin=”||0px”]Long-Term Care is an insurance product that helps provide for the cost of care beyond a predetermined period, often 90 days. The need for long-term care is determined most often by the inability to perform the basic activities of daily living, such as dressing, bathing, eating, toileting, getting in and out of a bed or chair, and walking.
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