Home & Auto

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Protecting More: Home & Auto Insurance

It’s imperative to protect the things that bring our families shelter and safely transport us through our daily lives. But, the rising costs of insurance paired with the general confusion of selecting the right plan leaves some people overwhelmed or worse…not properly protected. Fergurson Insurance will work with you and our top-rated carrier network to find the perfect option for your home and auto coverage needs. 

What are my home insurance options?

A standard home insurance policy covers four key areas—the physical structure, your personal belongings, temporary living expenses, and liability protection. There are minimum requirements of all home insurance policies, but you can always add additional coverage (e.g. jewelry insurance or equipment breakdown add-ons).

Am I required to do a home inventory audit with my policy?

While not required, a current home inventory on file will go a long way in a future claim. Fortunately, some great apps are available for download to your smartphone that will help you organize your listings. Two of our favorites are Sortly and Encircle Home Inventory. Both are free and available for iPhone and Android!

How do I bring my premiums down?

Short answer? Bundle! Typically, if you insure both home and auto with the same insurance carriers, you’ll save quite a few dollars. There are also discounts for seniors, those that have a newly constructed home, homes with new roofs, and more!

What are my auto insurance options?

  • Liability Insurance
    Covers bodily injury and property damage to others
  • Collision Insurance
    Covers physical damage to your vehicle caused by accidents
  • Medical Payment Coverage
    Covers medical coverage for you and your passengers
  • Comprehensive Coverage 
    Covers physical damage to your vehicle caused by theft, vandalism, hail and falling objects
  • Uninsured/Underinsured Motorist Coverage
    Covers medical expenses, pain and suffering and loss of wages for you if you’re in an accident with someone that does not have insurance or very low amounts of coverage
  • Additional Coverage Options
    Enhance standard policies with coverage for towing and labor, car rental loan/lease coverage and more

Does comprehensive insurance cover everything?

While many people refer to comprehensive insurance as “full coverage,” there really is no such policy. Comprehensive coverage is an add-on, so it does not cover everything.

Should I choose liability only insurance?

Liability only insurance usually has the lowest premium because it’s the minimum amount of car insurance most states require to legally drive. Liability insurance only protects you if you’re at fault in an accident by paying for bodily injury or property damage to others—leaving you personally responsible for the damage to your vehicle and any claims above your policy limit.

How does collision insurance differ from liability insurance?

Collision insurance covers damages to your vehicle should you be in an accident. If your car is leased or financed, most banks will require this level of coverage. This insurance is helpful, but there may be a point where it makes sense to drop collision insurance (i.e. you possess the financial means to easily replace your car).

How do I get the best coverage and premiums?

Fergurson Insurance will search our network of top-rated insurance carriers to give you comparison quotes on the best level of auto coverage, premiums and deductibles for you. We’ll walk you through the best options and help you select the perfect coverage for your home, auto or bundle.

There’s so much more to home & auto coverage than fulfilling a bank loan requirement and there are many ways to help you save thousands of dollars.

Get free home and auto insurance quotes from multiple carriers to see how much you can save with Fergurson!

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