Types of Insurance

 

 

Auto Insurance

     At HSG, we offer several different payment plans.  After an accident, repairs made to your car by an approved body shop are guaranteed for as long as you own the car.  Discounts are offered for:

  • Driving a safe car
  • Low annual mileage
  • Over age 50
  • Carpool
  • Being a good student ("B" or better grade average)
  • Teenager who has completed a Driver's Training course
  • Student away at school, without a car
  • Multiple cars
  • Having other policies with the same insurance company
And, if you have a good driving record, we have even more competitive auto rates!

 
Homeowner Insurance

Your home is probably your most valuable asset. For this reason, you should have a Homeowner policy that gives you the protection you need, at the best possible price. Home Replacement Guarantee coverage ensures that you will be able to repair your home if it is damaged in a covered incident, even if the cost exceeds your policy limit, provided you home was insured for 100% of its replacement value at the time of application. Full Value Contents coverage allows that, if you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item, without any deduction for depreciation, up to the limits stated withing the policy, less your selected deductible. After a claim, the difference between replacement cost and the actual cash value can be considerable!
Discounts are given for:
  • Burglar or fire alarms
  • Dead bolt locks
  • Smoke alarms
  • Fire extinguishers
  • Newer home
  • Higher deductibles
  • Having other policies with the same insurance company

Boat Insurance

 For some of us, boating is more than a recreation. We offer policies for a variety of pleasure boats. From sailboats to power boats, we can select the protection that is right for you. You'll stay afloat with the best insurance available! Cost of Repair Coverage covers your hull, including permanently attached equipment, motors and trailer -- with no depreciation on machinery repairs -- at no additional cost. Policies protect you several miles from the US coastline, into Canadian coastal inland waters and into the Pacific coastal waters of Mexico. Towing coverage is also available providing up to $200 in coverage.