Providing Protection Against the Hazards of Everyday Life

Usage-based insurance is when an auto insurer monitors and tracks your driving behavior like braking, cornering and acceleration to determine your premium.

Insurance companies may use a mobile app or a device that goes in your vehicle to track: They usually offer a 10% discount or higher to start. It is not required but
if you are looking to reduce your premium it’s recommended.

Contact Conner Insurance Agency for Auto quote coupled with Usage base insurance to see if you can save some money.

Here are some common problems that are typically not covered by a standard homeowners insurance policy:

• Flood damage. Most notably, damage from floods isn’t covered by home insurance policy. Flood water includes hurricanes, tsunamis, storm surges and water from overflowing rivers. Consider flood insurance if you want coverage for these problems.
• The cost to repair or replace the source of the water damage, like fixing a broken dishwasher or washing machine.
• Water damage due to lack of maintenance or negligence, such as not repairing a plumbing problem or failing to keep the heat on during freezing temperatures.
• Water damage from “earth movement” like an earthquake, landslide or mudslide. For example, if your pipe burst because of an earthquake, the water damage most likely won’t be covered. If you want coverage for earthquake damage, you’ll need to buy a separate earthquake insurance policy.
• Water damage from intentional acts, like setting a fire to your home or purposely turning off the heat during the winter.
• Water damage from leaks from a swimming pool or other structures.
• Water damage from seepage or leaks through a foundation.
• Water damage from a sump pump failure or related equipment. You may want to consider sump and water backup coverage for those types of problems.
• Water damage that backs up through a sewer or drain (unless you purchased special coverage for this problem.)

Contact Conner Insurance Agency for Homeowners quote or questions.

Renters insurance is usually for people who rent a living space like an apartment, condo, multifamily home or even a room. It does not cover the building where you live as the landlord should have their own insurance, however it does cover your personal property. Here are some things Renters Insurance will cover:

• Personal Liability. May protect you from claims others make against you. (Check with Agent or insurer)
• Premises Medical Coverage. Pays the medical cost of Others accidentally injured at the place you rent.
• Additional Living Expense. Pays for your living costs if you can’t live in the location you rent and have to stay somewhere else temporarily due to landlord saying your place is under renovation for storm or fire.
• Personal Property Coverage. Covers your personal property actual cash value at the time it was damaged or destroyed. (Not replacement cost but actual cash value)

Contact Conner Insurance Agency for a renters quote or review of renters insurance you may need.

Many business owners mistakenly believe their homeowner policy will provide coverage for their home-based business operations and property.

If you run a business out of your home, you might be uninsured and not realize it. Don’t wait until you have a loss to find out if you're covered. Discuss your situation
with your agent or broker.

If your business is working with the public from lawn care, haircare, daycare, auto detailing to barbering and tattoos, there’s a good chance you need insurance to protect you and your business. Contact Conner Insurance Agency and we will give you your options.

Life insurance is a contract between a policyholder and an insurer. It promises to pay the policyholder’s beneficiaries a sum of money when they die.

Life insurance policies help your family deal with the costs and hardships after you're gone and with the loss of your income.

Two types of policies to consider
Term life:

• Provides you with coverage for a specific number of years
• Costs more as you get older
• Doesn't have a cash value so you can't cash it out

Cash value life: (Whole Life, Universal Life, Indexed Universal Life, Variable Universal Life)

• Uses part of your premium to set up a financial account that earns interest
• Gives you actual dollars you can borrow or withdraw.
• Costs more at the start of the policy
• Gives you the flexibility to determine your premium

Life Insurance does not have to be complicated. Contact Conner Insurance Agency to determine which is better for you or if you have concerns or questions.