Buying a car and need proof of insurance? Adding a young driver to your policy and want roadside assistance? Rental reimbursement? Towing?
We can assist you with whatever options you require.
Having traveled regularly by car, you are perfectly aware of the risks which accompany owning a vehicle. You may be an exceptional driver who drives defensively and is always focused on the road. However, that does not make you invincible to accidents. Most people do not start the day expecting to have an auto accident. And unfortunately, in a majority of accidents, the level of injuries sustained are classified as severe, if not critical. This is one of the primary reasons car insurance is mandatory in the United States, along with many other countries.
For a majority of people, vehicle purchases generally are their second most significant investment, following the purchase of a home. With auto ownership comes the requirement for insurance coverage, which ensures you are protected in the case of accident, damage, theft, or injury.
Car insurance is an agreement with your chosen insurance agent to whom you will pay the premium and the insurance company, who will cover your losses, as outlined by your policy. There are three components involved: medical, property and liability. With each component, you are given a wide range of coverage availability.
Many jobs, paid and volunteer, as well as finance companies, have specific coverage requirements. Our agents are prepared to assist you in determining which type will be most beneficial to you and meet your requirements professionally, personally, and financially.
Auto accidents are difficult enough without having to deal with insufficient coverage or the wrong type of insurance. We can help eliminate the element of surprise, which only leads to added stress both emotionally and financially. Contact us today to discuss your auto insurance options.
Uncertainty and unpredictability are, unfortunately, a part of life. Often times people chose to believe that nothing bad will happen. For many, thinking of disaster occurring is uncomfortable, even frightening. Planning for tragedy may feel like you are asking for trouble. However, the exact opposite is true. Proper planning for loss or disaster creates peace of mind. While we may not have control over everything that happens, we do have the power to acquire adequate coverage to mitigate the losses, replace what was lost and rebuild your life.
The primary objective of homeowner's insurance is to ensure that you will recover quickly and are restored to the same standard of living you had before the insured risk materialized. Given the value of the home and the property therein, if something happens to your home, it may take up to a decade to fully recover to your previous level of comfort. However, with sufficient homeowner’s insurance coverage, recovery time is faster and disasters are not financially devastating. The loss of an uninsured home is complete devastation and financial ruin.
Ideally, your home should be a safe, peaceful place, where you come to escape from the frantic pace of life. We work hard to find the ideal furniture, the right colors and optimal lighting to create the perfect atmosphere, where you walk through the door and breathe deeply, because you are home. Unfortunately, all the planning you do will not negate the possibility of tragedy striking, putting you and your loved ones in danger and experiencing great loss, both emotionally and financially. Fire, theft, injury, natural disasters - any one of these could be devastating for a homeowner. While homeowner's insurance will not be able to replace family heirlooms, it will make all the difference in rebuilding your home and restoring your life.
Homeowner’s insurance is a vital and necessary tool to protect one of your most valuable assets and eliminate long-term loss. This type of policy is created to protect the homeowner from everything from minor damage to total loss and replacement.
What exactly is Homeowners Insurance?
It is a package policy designed to protect the homeowner from financial loss in the case of physical damage, theft of property, and injury. Just as each home is unique, each homeowner has varied and distinct needs. Your agent’s knowledge and expertise will ensure you receive the optimal coverage to meet your personalized requirements.
Please note that all insurance companies offer a variety of home insurance policies. It is therefore highly recommended that you take your time, consider the risks you are most vulnerable to, an accurate value of your home or property, and your family obligations. There are endless opportunities to sign up for insurance online, without having to ever speak to an agent. The premiums look good and the process is quick.
However, it is imperative that you find the best agency, not just the lowest premium. The incidents of insurance companies not covering losses due to incorrect or inadequate coverage is commonplace today. You, as the homeowner, must be fully aware of the terms and conditions of a policy. This is where working with a trusted agent makes all the difference. At Randal McCoy Insurance Agency, we treat you with honesty and respect, informing you of your policy terms and explaining each condition, to ensure you are getting the insurance you want.
Additional Types Of Insurance We Offer:
Motorcycle insurance, like auto coverage, protects you in the case of accident, damage, loss, or theft, including liability. Like other insurances, the options are many. For example, should you be one who loves to feel the wind in your hair, and prefer to go without a helmet, motorcycle insurance has a helmet/no helmet component. Although this will have a large impact on your premiums and coverage requirement, not having the correct type of coverage is significantly costlier.
Through us, you will know all your options for coverage. You will be able to enjoy the open road with peace of mind, assured that you are covered for any situation.
Most would agree that covering the cost of medical and surgical expenses is vital, as they can be extremely expensive. However, healthcare coverage may be one of the most confusing types of insurance. Whether it is inaccurate or outdated information or policy changes, it is nearly impossible to determine the best coverage for your needs.
Depending on the policy type, costs may be paid to the provider directly, or reimbursed to the insured. One must also consider deductibles, co-pays, and co-insurance. Unsure what all of this means? That is OK, we do. It is our specialty, and we take our job seriously. We focus on finding you suitable coverage that will adequately meet your needs.
CONDO INSURANCE - is one type of insurance where there can be a bit of confusion. There are different components to condo insurance, and accurately determining what you need is not always simple. How much dwelling coverage is needed? Do you need liability insurance or personal property coverage? We can walk you through the evaluation process for all of your condo insurance needs.
LAKE ESTATE INSURANCE - In Michigan, we are surrounded by the Great Lakes. If you are one who owns waterfront property, you understand the unique aspects involved with living by the water. Our agents are available to assist in designing the best coverage for your property, so you and your family may have peace of mind, knowing you are covered for any emergency.
FARM INSURANCE - is unique in that many farms are a combination of both home and business. Whether dealing with livestock or crops, the different aspects involved in running a farm create unique demand for adequate insurance. Farm policies tend to be highly customized, as each farm is very distinct. Our agents are prepared to work alongside you in developing optimal protection. Owning a farm is hard work. Working together, we can help to protect all that you have built.
RENTERS INSURANCE - Although one might choose apartment living, insurance is still beneficial. Or possibly you are renting a single-family residence. Regardless, renter’s insurance will protect you in the case of theft, fire damage, vandalism, or if the dwelling is deemed uninhabitable. Having the right insurance is vital for protecting your belongings. Contact one of the agents to learn about our reasonable premiums, and how rental insurance may be combined with other policies for discounts.