Countryside Insurance Products

The basic function of property/casualty insurance is the transfer of risk. The purpose of insurance is to reduce financial uncertainty and make accidental loss manageable. It does this substituting payment of a small, known fee—an insurance premium—to a professional insurer in exchange for the assumption of the risk a large loss, and a promise to pay in the event of such a loss.

Auto Insurance

Car WreckThe right auto insurance policy from Countryside Insurance can help get you back on the road quickly if your car or truck is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

Auto Insurance Options and common insurance terms:

  • Collision – Damage sustained in a collision with another vehicle or a stationary object is covered under this component of the standard insurance policy. Replacement coverage should be purchased for vehicles that are under an outstanding loan because most lenders require the insured to cover the risk of loss.
  • Comprehensive – If the car is stolen or sustains damage from falling debris, fire, or any act of nature, this component of the insurance policy would pay the repair or replacement costs. When you rent a car, this component covers the rental car throughout the duration of your rental period.
  • Liability – Every state requires that every licensed automobile is covered by the minimum amount of liability coverage. Some agents recommend substantially higher liability rates to cover the possibility of lawsuits that exceed minimum state liability amounts. Liability coverage is split into two major categories.
  • Property – Any property damage to public or private property that belongs to another party will be covered by the liability component. Your personal property is not covered under the liability portion of the auto insurance policy.
  • Bodily Injury – When other people are injured in a collision with your vehicle, including unrelated passengers inside your car, their medical expenses are covered by this sub-component of the liability coverage.
  • Medical – This component of the auto insurance policy would cover the medical expenses sustained by you and your immediate family in the event of an automobile accident. If other health insurance coverage exists, this coverage may not be necessary, but care must be given to this decision.
  • Uninsured/Underinsured – Even though every driver is required by law to carry insurance, there are still many drivers that do not have any insurance or do not carry enough insurance. This UM/UIM component of the standard insurance policy will cover your expenses in the event an uninsured driver is at fault in the accident. If a hit-and-run driver hits your car, or you, this portion of the policy will cover your expenses.

Boat / RV Insurance

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy.

Larger and faster boats such as yachts, and personal watercraft such as jet skis and wave runners require a separate boat insurance policy. The size, type and value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.

Boat/RV Insurance Policy Options: Some coverage under home owner's policies, Liability Coverage Plans also available

 

Motorcycle Insurance

Choosing the right insurance policy is similar to choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Countryside Insurance can match your motorcyle coverage needs to a variety of carrier policies. 

Motorcycle Insurance Policy Options: Liability coverage, Collision coverage, Comprehensive coverage, and Uninsured/underinsured motorist coverage 

Home Owners & Renters Insurance

Home and Property Insurance - Countryside Insurance

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, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Home Insurance Policy Options: Basic Home Owners, Limited Liability Policies, Older Home Policies, Renters Policies and Condominium Policies

Life Insurance

Life Insurance by Countryside Insurance

Financial experts generally consider life insurance to be the cornerstone of sound financial planning. However, if you have no dependents and have enough money to pay your final expenses, you don’t need any life insurance. If you want to create an inheritance or make a charitable contribution, buy enough life insurance to achieve those goals. 

If you have dependents, buy enough life insurance so that, when combined with other sources of income, it will replace the income you now generate for them, plus enough to offset any additional expenses they will incur to replace services you provide. Also, your family might need extra money to make some changes after you die. For example, they may want to relocate, or your spouse may need to go back to school to be in a better position to help support the family. Talk to Countryside Insurance to discover the amount of Life Insurance coverage recommended for you and your family.

Life Insurance can be an important tool in the following situations:

  • Replacement income for dependents after your passing
  • Pay final funeral/burial expenses
  • Create an inheritance for your family legacy
  • Pay State and Federal "Death Related" taxes

Life Insurance Policy Options: Term Life Insurance, Whole Life/Permanent/Universal Life Insurance

Business/Commercial Insurance

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Business/Commercial Policy Options: Small Business Insurance, Commercial Insurance, Business Property, General Liability, Workers Compensation, Directors and Officers Liability, Employment Practices Liability, Errors & Omissions, Business Owners Policy, Umbrella - Excess Liability, Builders Risk, Commercial Auto, Flood/Earthquake, Bonds - All types, Bar & Tavern Insurance, Non-Profit Insurance, Dry Cleaners, Rental/Vacation Property. 

 

Countryside Insurance is an Independent Insurance Agency representing these fine companies.