HOME OWNERS INSURANCE

Home Owners Insurance (HOI) covers private homes.  It combines various personal insurance protections, covering loss of use and contents.  It also covers liability for accidents that may happen at the home, or from the actions of the home owner.

Auto Insurance

Auto Insurance isn’t just a good idea, it’s a law.  Accidents are costly enough without needing to pay additional legal fines.  An auto policy is for personal vehicles and covers property, liability, medical coverage, and financial loss if you have an accident.

PERSONAL UMBRELLA INSURANCE

You never know what could happen.  Personal Umbrella Insurance is the extra liability insurance designed specifically to protect you from the unexpected.  It covers lawsuits or major claims beyond the limits of your homeowners or other insurance policy.

REPLACEMENT COST

How do you replace your property?  If your house burns down, or if your property is stolen, homeowners insurance sometimes pays less than you need.  We provide extra coverage for replacing lost or damaged property if you need it.

SEWER BACK UP

It stinks when sewers fail.  Backed up sewers wreak havoc on a home, causing thousands of dollars in damage.  It ruins floors, walls, furniture and electrical systems. To help, we offer sewer backup coverage.

IDENTITY THEFT

Identity theft is the act of taking someone’s personal information and using it to impersonate a victim.  Identity thieves steal from bank accounts, establish phony insurance policies, open unauthorized credit cards or obtain unauthorized bank loans, all at your expense.

FLOOD & EARTHQUAKE

Floods are the most common and costly natural disaster in the United States. While they are most common in coastal areas and near rivers and lakes, they can happen anywhere. Earthquakes can occur anywhere in the United States. About 90% of Americans live in areas considered seismically active.  Since these disasters are so costly and destructive, we offer a policy specifically for them.

RECREATIONAL VEHICLES

Auto insurance covers personal vehicles, but recreational vehicles have different uses and coverages.  Boats, motor homes, motorcycles, snowmobiles, wave runners, 4 wheelers. All of these vehicles require their own separate insurance liability coverage. Quality 1st can help you with all your recreational vehicle needs.

MEDICAL COVERAGE HOME

This policy also provides no-fault medical coverage. If a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This policy pays the expenses without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage. It does not, however, pay the medical bills for your family, or your pet.

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