When it comes to choosing an insurance provider, it can be overwhelming to navigate through the endless options. With Roberts Insurance, you can rest assured that you are in good hands. Established in 1967, Roberts Insurance has been providing exceptional service to individuals and businesses alike for over 50 years. In this article, we will dive into the various insurance options offered by Roberts Insurance, as well as the benefits of choosing them as your provider.
Home Insurance
Your home is one of the biggest investments you will make in your life. It is important to protect it with a comprehensive home insurance policy. Roberts Insurance offers various options for home insurance, including:
Policy |
Coverage |
Basic |
Fire, theft, and certain natural disasters |
Standard |
Basic coverage plus liability, personal property, and medical payments |
Premium |
Standard coverage plus extended replacement cost and additional living expenses |
With Roberts Insurance, you can customize your home insurance policy to fit your specific needs. Their knowledgeable agents will work with you to determine the best options for your home coverage.
FAQ:
Q: What is liability coverage?
A: Liability coverage is insurance that protects you in the event that you are held responsible for damages or injuries to someone else’s property or person. This coverage can help pay for legal fees, medical bills, and other expenses related to the incident.
Q: What is personal property coverage?
A: Personal property coverage is insurance that covers the cost of replacing or repairing your belongings in the event that they are damaged, destroyed, or stolen. This coverage typically includes items such as furniture, electronics, and clothing.
Q: What is extended replacement cost coverage?
A: Extended replacement cost coverage is insurance that covers the cost of rebuilding your home, even if it exceeds the policy limit. This coverage can be crucial in the event of a catastrophic loss, as it ensures that you will not be left without a home due to insufficient insurance coverage.
Q: What are additional living expenses?
A: Additional living expenses are costs associated with temporarily relocating while your home is being repaired or rebuilt following a covered loss. This coverage can help cover expenses such as hotel stays, restaurant meals, and laundry services.
Auto Insurance
Auto insurance is a necessary expense for any driver. Roberts Insurance offers a variety of coverage options for your vehicles, including:
Policy |
Coverage |
Liability |
Covers damages and injuries to other people or property |
Collision |
Covers damages to your vehicle in the event of a collision |
Comprehensive |
Covers damages to your vehicle caused by events such as theft, vandalism, and natural disasters |
In addition to these coverage options, Roberts Insurance also offers additional benefits such as rental car coverage and roadside assistance. Their agents will work with you to create a customized auto insurance policy that fits your needs and budget.
FAQ:
Q: What is liability coverage for auto insurance?
A: Liability coverage for auto insurance is insurance that covers damages or injuries to other people or property that you are responsible for. This coverage is required by law in most states, and can help protect you from financial ruin in the event of an accident.
Q: What is collision coverage for auto insurance?
A: Collision coverage for auto insurance is insurance that covers damages to your vehicle in the event of a collision with another car or object. This coverage is optional, but can be beneficial in the event of an accident.
Q: What is comprehensive coverage for auto insurance?
A: Comprehensive coverage for auto insurance is insurance that covers damages to your vehicle caused by events such as theft, vandalism, and natural disasters. This coverage is also optional, but can provide added peace of mind for drivers.
Business Insurance
As a business owner, you have a lot on your plate. Protecting your business should not be one of your worries. Roberts Insurance offers various options for business insurance, including:
Policy |
Coverage |
General Liability |
Covers damages or injuries to third parties caused by your business |
Property |
Covers physical assets such as buildings, equipment, and inventory |
Workers’ Compensation |
Covers medical expenses and lost wages for employees who are injured on the job |
Roberts Insurance also offers specialized coverage options for various industries, such as contractors and restaurants. Their experienced agents will work with you to create a comprehensive business insurance policy that meets your unique needs.
FAQ:
Q: What is general liability insurance for businesses?
A: General liability insurance for businesses is insurance that covers damages or injuries to third parties that are caused by your business. This coverage can help protect you from lawsuits and other legal expenses.
Q: What is property insurance for businesses?
A: Property insurance for businesses is insurance that covers physical assets such as buildings, equipment, and inventory. This coverage can also include coverage for losses due to events such as fire, theft, and natural disasters.
Q: What is workers’ compensation insurance for businesses?
A: Workers’ compensation insurance for businesses is insurance that covers medical expenses and lost wages for employees who are injured on the job. This coverage is required by law in most states.
Life Insurance
Life insurance is an important safeguard for your loved ones in the event of your passing. Roberts Insurance offers various options for life insurance, including:
Policy |
Coverage |
Term |
Covers a specific period of time, such as 10 or 20 years |
Whole |
Covers you for your entire life and includes a savings component |
Universal |
Flexible coverage that allows you to adjust your premiums and coverage amounts |
With Roberts Insurance, you can customize your life insurance policy to fit your specific needs. Their knowledgeable agents will work with you to determine the best options for your coverage.
FAQ:
Q: What is term life insurance?
A: Term life insurance is insurance that covers you for a specific period of time, such as 10 or 20 years. This coverage is typically less expensive than other types of life insurance, but does not include a savings component.
Q: What is whole life insurance?
A: Whole life insurance is insurance that covers you for your entire life and includes a savings component. This coverage is typically more expensive than other types of life insurance, but provides added security and stability.
Q: What is universal life insurance?
A: Universal life insurance is a flexible type of coverage that allows you to adjust your premiums and coverage amounts over time. This coverage can be beneficial for those who are looking for customizable coverage that can grow with their changing needs.
Conclusion
Choosing an insurance provider can be a daunting task, but with Roberts Insurance, you can trust that you are in good hands. Their extensive experience and knowledgeable agents can help you find the best coverage options for you and your family. Contact Roberts Insurance today to start protecting your future.