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RIGHT NOW is the time to switch your car insurance to Superior Choice Agents!

Our network of independent agents can help you buy your first policy or basic car shopping because you want to switch insurance companies. We have experience finding coverage for high-risk drivers with tickets, accidents, or DUIs on their records.

Superior Choice Agents offers a wide range of coverage options that protect you, your family, and your car. Select from options including Bodily Injury and Property Damage Liability, Comprehensive and Collision, Rental Reimbursement, Roadside Assistance, and more.

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Homeowners or Renters Insurance - which is right for you?

The biggest asset for most people is their home. Lose that, and you will likely lose a big part, if not most, of your net worth. Even if you don't own, but rent, you can still easily lose all your belongings in a sudden fire or other disaster. That's where homeowners and renters insurance come into play.

Homeowners insurance will protect your property, whether it's a ranch in the country or a condo in the city. Homeowners insurance will not only cover a home structure, it can cover the contents as well. Of course, all of this depends on how much coverage you purchase and whether you have any add-ons, known as endorsements, attached to your policy for extra coverage or protection of special or valuable items.

Homeowners insurance also covers you for liability should someone be injured on your property. It will also cover damage to some of your possessions that are not located at your home. This includes damaged luggage on a trip or property stolen from your car.

One thing homeowners insurance doesn't cover is damage from floods. So if you have a home in an area vulnerable to rising water or flooding, ask your Superior Choice agent about how you can purchase flood insurance.

The most important thing about homeowners insurance is to have adequate coverage. If you do not purchase enough insurance, any loss may not be totally covered. For that reason, you may want to look into a policy that increases your coverage limits at the rate of inflation.

Of course, if you're a renter, you will want insurance to cover the value of your possessions. (The landlord's insurance only covers the structure—not your contents.) You'll also need renters insurance for liability coverage in case someone is injured in the apartment or house you rent.

Because everyone's needs are not the same, it is best to consult a Superior Choice agent to help assess your needs so you can choose the insurance policy that is right for you.

What is homeowners insurance?
Homeowners insurance, or home insurance, compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment. Home insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft, and other events outlined in your policy.

Why buy condo insurance?
When you own a condominium, you—not your condo association—are responsible for what's inside your condo. That's why having a personal condominium insurance policy is important.

Why buy renters insurance?
Renters insurance protects you in situations that everyone can face: fire, theft, water damage, and other unforeseen circumstances—situations your apartment owner's policy doesn't cover.

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Life insurance, health insurance - make sure you're covered!

Too often you are the most overlooked or undervalued asset you possess.

If you owned a machine that generated thousands of dollars in income per year, would you buy insurance to protect against possible damage or loss? And wouldn't you want to insure for direct damages, plus coverage for lost income while the machine was broken, or worse yet, if it was destroyed?

Have you ever considered that you are like such a machine? Thanks to your efforts, you and your family have food, shelter, and possessions. Life, health, and disability insurance provide coverage for your personal wealth-generating machine.

If you are no longer able to provide for your dependents because of death, life insurance is designed to provide assistance for final expenses and ongoing income. If you are unable to work due to sickness or injury, health insurance is designed to cover “repair” costs, as well as provide an ongoing income during the period you are “out of service.” And if your injury or illness is more long-term, disability insurance helps supplement your lost income.

If you haven’t recently reviewed your family’s health, life, and disability coverage, now is the time to do so. Talk to your Superior Choice agent about your specific needs for life, health, and disability insurance so you can choose the coverage that is right for you.


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