Home and Auto Insurance

  • Homeowner’s Insurance
  • Automobile Insurance

Your home may be your most prized possession. Efinity Insurance focuses on designing homeowner policies offering you protection that goes beyond having peace of mind. There are several key aspects to homeowner’s insurance.

Your Home

  • Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
  • Coverage for separate structures at a minimum of 10% of the limit of insurance you choose for your home (can be increased by endorsement).
  • Extended Replacement Cost coverage (can be increased up to 150%, meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.

Medical Payments

  • Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Your Possessions

  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Property is covered anywhere in the world.
  • Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
  • Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Additional Living Expenses

  • Covers additional living expenses up to 24 months if a covered loss makes your home unfit to live in.
  • Coverage is based on a percentage of the limit of insurance you choose for your home.
  • Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that rented to others unfit to live in.

Liability

  • Pays when you’re legally liable for someone else’s bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
  • Includes costs to resolve claims or defend lawsuits brought against you.

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Automotive insurance policies have two key components:
Liability Insurance and Collision Coverage. The experienced agents at Efinity Insurance will assist you in understanding the true risks of automobile insurance, and how to protect against them.

Liability Insurance

Liability Insurance coverage helps to protect you and your family against financial loss arising from legal liability associated with bodily injury or property damage of another due to an accident you cause. Most states require any driver to carry a minimum amount of liability insurance coverage, or post a bond, before one can register a vehicle or obtain a driver’s license.

  • Bodily Injury coverage covers the expenses associated with other people’s injuries or death for which you are legally responsible. Coverage includes medical expenses, loss of income, pain and suffering. These coverages are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage.
  • Property Damage following an accident for which you are legally responsible. Property Damage covers your liability for damaging another person’s personal property, such as an automobile, house or fence.

Collision Coverage

Collision Coverage covers the damage to your vehicle resulting from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible you select. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

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