LPH

A new event in your life like a birthday or a new car can make your rates change. Call us for a review and see if we can lower your rate. Phone: 305-255-8020

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, hurricanes and poor maintenance. You must buy a separate policy for flood coverage. Maintenance-related problems are the homeowners’ responsibility.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

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LPH Insurances we offer
Auto
Homeowners
Commercial
Rental
Flood
General Liability
Boat
Workers Comp
SR22’s and FR44’s

Insurances we offer
Auto
Homeowners
Commercial
Rental
Flood
General Liability
Boat
Workers Comp
SR22’s and FR44’s