Personal Insurance

Condo

Many condo and co-op owners mistakenly believe that their building’s master insurance policy will fully protect them, which can lead to unexpected issues. In addition to securing your own insurance, it’s important to stay informed about any updates to your association’s master policy to ensure there are no coverage gaps.

If you or a previous owner made permanent upgrades—such as installing new cabinetry, wall coverings, or renovating the kitchen or bathroom—these changes may not be covered under the association’s insurance policy.

For those purchasing units in new buildings, it’s wise to talk to the contractor about potential renovation costs and consult with your insurance broker before beginning any work. It’s always better to address potential insurance challenges early rather than risk not being adequately covered.

Tailored insurance solutions for condos and co-ops may include:

–    Loss assessment coverage: Protects you when the association’s policy falls short in covering damage to common areas or when a legal claim is brought against the association.

–    Personal property coverage: Secures your belongings, both inside and outside your home, from loss or damage.

–    Valuable articles coverage: Covers valuable items such as jewelry, art, and collectibles from loss or theft.

–    Liability coverage: Shields you from costly lawsuits, such as accidental water damage to a neighbor’s unit or an injury occurring in your condo.

–    Comprehensive personal liability coverage: Protects you and your family if you’re sued for a variety of reasons.

It’s essential to regularly update your condo or co-op insurance as your personal situation evolves or when you acquire new valuable items. Keeping your policy current ensures that your coverage remains aligned with your needs

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Renters

If you rent a home or apartment, it’s important to understand that your landlord’s insurance only covers the structure itself, such as repairs to the building in the event of a fire or another disaster. Your personal belongings, as well as your potential liability, aren’t included in this coverage.

Additionally, if your property is stolen, your landlord’s insurance won’t cover your losses. Items like clothing, electronics, jewelry, and other valuables are among the most common claims renters make.

The takeaway is simple: as a renter, it’s crucial to have your own renters insurance policy to safeguard yourself and your belongings.

Here are some important coverage options you should consider:

–    Theft protection: This essential coverage protects you if your personal belongings are stolen.

–    Replacement cost coverage: Ensures that lost or damaged items are replaced at their full value, not just their depreciated worth. This is key for maintaining your property’s value over time.

–    Cash settlement option: Offers the flexibility to receive a cash payout without the obligation to repair or replace the lost item.

–    Water backup coverage: Protects against damage resulting from sewer or drain backups, which are common sources of costly damage.

–    Valuable articles coverage: Provides additional protection for high-value items such as family heirlooms, jewelry, art, antiques, and collectibles that may exceed standard policy limits.

–    Personal liability protection: Shields you financially if you’re held responsible for accidental injury to someone else or for damage to another person’s property.

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Investment Property

Investment property insurance is essential for anyone looking to protect their real estate assets. This specialized coverage safeguards against financial losses stemming from damage to the property, including fire, theft, or natural disasters.

Unlike standard homeowner’s insurance, investment property insurance typically includes provisions for rental income loss, helping you maintain cash flow even during repairs.

Additionally, liability protection is a key component, covering legal expenses if a tenant or visitor is injured on the property. With customizable options, you can also choose to cover appliances, fixtures, and other personal property included in the rental.

Overall, having robust investment property insurance not only protects your financial investment but also gives you peace of mind as a property owner. Working with a knowledgeable insurance agent can help you tailor a policy that meets your specific needs and risk profile.

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Flood

Protecting your home from flooding is essential, especially considering that the U.S. Federal Emergency Management Agency (FEMA) reports that 90% of natural disasters involve flooding. The risk of flooding exists even outside traditionally flood-prone areas, as flash floods can occur due to heavy rainfall or nearby construction that alters drainage.

Importantly, standard homeowners insurance policies usually do not cover flood damage, potentially leaving you with significant out-of-pocket expenses—often exceeding $30,000—for cleanup and repairs.

Given the prevalence of flooding, obtaining flood insurance is crucial for homeowners across North America. However, navigating the flood insurance market can be complicated. Many policies include a waiting period—often up to 30 days—before coverage begins, which can be problematic if a flood occurs shortly after purchase.

Working with an insurance professional is vital for making informed choices tailored to your specific circumstances, including location and policy limits.

At HUB, our personal insurance brokers are equipped to help you explore various flood insurance options, such as:

–    Water Damage Loss Coverage: Protects against losses from flooding.

–    Excess Flood Coverage: Offers additional protection beyond standard limits.

–    Sewer and Drain Backup Coverage: Safeguards against damage from sewer backups.

Don’t wait for disaster to strike. Ensure your home and finances are secure with the right flood insurance coverage.

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Earthquake

Earthquake insurance is essential for homeowners in regions prone to seismic activity, as most standard homeowners’ policies do not cover damage caused by earthquakes. Without this specialized coverage, you could be left paying out of pocket for costly repairs to your home and belongings if an earthquake occurs.

Earthquake insurance typically covers damage to your home’s structure, personal property, and additional living expenses if you need temporary housing while repairs are made. It can also include coverage for repair or replacement of critical systems like plumbing and electrical. Given the unpredictable nature of earthquakes, having this coverage can provide peace of mind and financial protection.

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Personal Umbrella

If someone gets hurt on your property or due to an accident you’re responsible for, you could be held accountable. But what happens if the settlement or court judgment exceeds what your home or auto insurance covers? How will you manage the costs?

Typical homeowners and auto policies offer only limited liability coverage, which could expose the combined value of your assets—like your home, cars, savings, and investments—to risk.

A Personal Umbrella policy acts as an additional layer of liability protection, boosting the limits of your existing home, auto, or boat insurance. If you’re ever involved in a lawsuit, this policy can cover legal defense, attorney fees, and other costs that surpass the coverage of your primary policies.

Owning multiple properties, employing household staff, having multiple drivers, or even owning high-risk items like trampolines, significantly increases your chances of facing a lawsuit. Wealthy individuals and families are particularly vulnerable to these risks. The greater your assets, the more likely it is you may be targeted in litigation.

Did you know that if a court ruling or settlement surpasses your available assets and insurance coverage, you could be liable for future income? Anyone with substantial assets should consider a Personal Umbrella policy, ranging from $1M to $10M in coverage.

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Fine Arts

Whether you own cherished family heirlooms, or collect fine art, antiques, or sports memorabilia, a standard homeowner’s insurance policy likely won’t provide enough protection for your most valuable items. In fact, homeowners’ policies typically offer only limited coverage for such possessions—usually a few thousand dollars—after your deductible is applied.

Valuable and unique collections need specialized coverage. Scheduling your items under a fine arts insurance policy is one of the most effective ways to safeguard your investments from risks like theft, fire, accidental damage, natural disasters, or losses during shipping or loaning.

Many collectors fail to secure the right coverage for their valuable items, often over-insuring for minor risks while underinsuring against more significant threats. To protect your collection, it’s essential to work with an experienced broker who understands how to properly insure high-value collections. They can help you secure a tailored policy—sometimes referred to as a valued-items rider—that ensures your belongings are covered worldwide, including during transport.

Additional coverage considerations include:

–    Floods and earthquakes: Standard policies often exclude water damage, so ensure you have an all-risk policy that covers floods, earthquakes, and sewer backups.

–    Mold protection: Mold can severely damage your collection following a flood. While most homeowner policies have limits on mold coverage, you can purchase additional protection.

–    Liability protection: If you want more than what your home or auto policies offer, consider a personal umbrella policy that matches your net worth, to protect against lawsuits.

Lastly, it’s crucial to keep your fine arts insurance policy and appraisals up to date. When you add new items to your collection, be sure to adjust your coverage to reflect their value.

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Jewelry

Ensure your most valuable and sentimental pieces are fully protected. Standard homeowner’s insurance often falls short when it comes to covering high-value items like jewelry, typically offering only limited coverage—usually just a few thousand dollars—and that’s after you’ve met your deductible.

Here are some key points to keep in mind:

–    Jewelry such as rings, necklaces, and luxury watches are among the most commonly reported items in insurance claims.

–    The value of precious metals like gold has risen significantly over the past decade, meaning your existing coverage may no longer reflect the true worth of your jewelry.

–    Regular appraisals, ideally every two to four years, are crucial to ensure your items are insured at their current market value.

While the sentimental value of a beloved piece can never be replaced, jewelry insurance offers financial compensation for loss or theft. We can help you decide whether individual item scheduling or blanket coverage best suits your needs. No matter the choice, you’ll have peace of mind knowing that if your cherished pieces are lost or stolen, their financial value is protected.

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Auto Insurance

Accidents can happen to anyone, even the most cautious of drivers. That’s why working with an insurance broker who takes the time to assess your specific needs, explain the available coverage options, and then connect you with the best possible protection at a fair price is essential.

Your broker should also be well-versed in handling all your service needs—whether it’s policy adjustments, claims, or general coverage questions. HUB Southwest’s team of personal lines experts ensures you’re equipped with the right protection across:

–    Coverage limits for property, liability, and medical expenses

–    Liability thresholds

–    Deductible options

–    Vehicle replacement cost options

–    Coverage for uninsured and underinsured motorists

–    Agreed value coverage

–    Global liability protection

–    Coverage for electronic equipment

–    Full glass coverage

–    Towing and labor assistance

–    Alternative transportation options

HUB collaborates with leading insurance providers to give you access to additional coverage choices and exclusive savings, including:

–    Bundled auto and home insurance savings

–    Disappearing deductible credits

–    Accident forgiveness

–    Multi-car and spouse discounts

–    New customer savings

–    Automatic bill pay or pay-in-full discounts

–    Discounts for hybrid or electric vehicles

–    Advanced driver training credits

–    Motor club membership savings

–    New car replacement options

–    Auto loan/lease gap coverage

–    Pet coverage

–    Student away-from-school discounts

–    Good student discounts

–    Military away savings

–    Low mileage discounts

–    Group discounts

–    AARP member discounts

–    Airbag deployment accident coverage

–    Coverage for original manufacturer parts

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Motorcycle

Choosing a motorcycle over a car comes with many perks, including the thrill of the ride, fuel efficiency, and a unique sense of freedom. However, with this enjoyment comes the need for specialized insurance to protect you and your bike from unforeseen incidents. Motorcyclists face increased risks on the road, making adequate coverage vital for financial security and peace of mind.

At HUB International, we understand the unique needs of motorcycle owners. With years of experience in the industry, we offer comprehensive insurance options to ensure you’re well-protected on every adventure.

Essential Coverages for Motorcycle Insurance Include:

–    Bodily Injury Liability: Covers medical expenses for injuries you may cause to others.

–    Property Damage Liability: Helps pay for damages to someone else’s property in an accident.

–    Collision Coverage: Protects against damage to your motorcycle resulting from collisions.

–    Comprehensive Coverage: Covers non-collision incidents like theft, fire, or vandalism.

–    Guest Passenger Liability: Offers protection for injuries to passengers on your bike.

–    Uninsured/Underinsured Motorist Coverage: Provides financial support if you’re in an accident with an uninsured driver.

–    Roadside Assistance: Assists with minor repairs or towing if your motorcycle breaks down.

–    Trip Interruption Coverage: Reimburses certain costs if your bike becomes unusable during a trip.

Navigating the options and requirements can be complex, which is why working with knowledgeable professionals at HUB is crucial. Whether you ride a touring bike, sport bike, or classic model, we’ll help you find the right coverage tailored to your needs.

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Recreational Vehicle

Whether you’re planning a camping trip in your RV or setting sail on a tranquil lake, having the right insurance coverage is essential for your recreational vehicles. While some may see recreational vehicles as tools for adventure and exploration, everyone agrees on the importance of specialized protection tailored to your outdoor experiences.

At HUB, we have decades of experience in providing insurance coverage for a wide variety of recreational vehicles. From motorhomes and off-road vehicles to travel trailers and fifth wheels, we’ve got your back. Enjoy peace of mind whether you’re on the road, navigating trails, or cruising on the water with our comprehensive protection plans for sailboats, powerboats, and personal watercraft.

Explore the extensive range of recreational vehicles we cover, including:

–    Travel Trailers

–    Fifth Wheels

–    Sailboats

–    Yachts

–    Powerboats

–    Golf Carts

–    Snowmobiles

Let HUB International help you safeguard your adventures and ensure your fun times remain worry-free.

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Classic Car

Protecting your prized classic car is crucial for both your emotional attachment and financial security. Restoring and maintaining an antique vehicle is a labor of love that can yield significant rewards. While these cars are often reserved for special occasions, their value can increase dramatically, particularly when kept in excellent condition and used sparingly.

To ensure that your hard work doesn’t go unrewarded, it’s essential to choose the right classic car insurance. This type of coverage not only provides peace of mind but also safeguards your investment.

Classic car insurance typically offers the same protections as standard auto insurance policies, including liability (covering bodily injury and property damage), collision, comprehensive, and uninsured/underinsured motorist coverage. However, antique and classic cars—defined as those manufactured over 30 years ago—have unique insurance requirements. As a classic car owner, consider the following factors when selecting your policy:

–    Usage Limitations: Your insurance should accommodate the limited mileage you drive and may need to reflect seasonal usage only.

–    Storage Conditions: Storing your vehicle in a secure, fully enclosed garage can enhance your coverage, especially in areas with harsh winters.

–    Vehicle Valuation: Opting for an agreed-value policy can be more beneficial than a stated value policy. This ensures that, in the event of a total loss, you receive the full insured amount minus any deductible, giving you greater financial security.

By investing in tailored classic car insurance, you can enjoy your vehicle while ensuring it remains protected.

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Watercraft

Congratulations on finding the perfect boat! Before you hit the water, it’s essential to understand the distinction between your homeowner’s insurance and boat insurance. Boat insurance is crucial for covering a wide range of scenarios, from trailering your vessel to the marina, navigating close to docks, to repairing weather-damaged equipment. Most importantly, it provides liability protection in case you or your passengers are injured due to negligence.

Whether you own a small fishing boat or a luxury mega-yacht complete with an on-board crew, we’ve got you covered. Our boat insurance policies cater to all motorized watercraft, including fishing boats, pontoon boats, yachts, and jet skis, with options tailored for inland waterways or coastal adventures.

Boat insurance typically encompasses various aspects, including:

–   Hull: Protection for the boat’s structure.

–   Machinery: Coverage for the engine and other mechanical components.

–   Fittings and Furnishings: Coverage for onboard amenities and accessories.

–   Permanently Attached Equipment: Options for actual cash value (replacement minus depreciation) or agreed value policies based on a prior agreement with your insurer.

Boat insurance can cover a variety of situations, including:

–   Theft: Protection against the loss of your boat.

–   Bodily Injury: Liability coverage for injuries caused to others.

–   Property Damage: Coverage for damage caused to someone else’s property.

–   Guest Liability: Protection for legal expenses incurred by passengers using the boat with your permission.

–   Medical Payments: Coverage for injuries sustained by you and your passengers.

–   Don’t wait until it’s too late. Ensure your boat and your peace of mind are protected with the right insurance coverage before you set sail.

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Equine

Whether you’re a proud horse owner or managing a commercial equine operation, your horses are valuable assets that bring joy and pride. Alongside the specialized facilities and equipment they require, it’s crucial to safeguard these investments and prepare for potential liabilities.Our equine insurance solutions are designed to address your specific needs and concerns.

With over 25 years of experience in providing equine insurance programs, we offer a range of options to protect your interests:

–    Equestrian Centers and Farms: Our customized packages combine coverage for property, including buildings, tack, machinery, hay, and other essential items, alongside liability protection for boarding, breeding, training, sales, clinics, and shows.

–    Commercial Equine Liability: We provide liability coverage for various activities, including boarding, breeding, training, racing, and educational programs. Coverage for clinics and shows is also included with prior notice to the insurer.

–    Personal Horse Owner Liability: Safeguard against liability exposures with coverage limits ranging from $1 to $2 million.

–    Animal Mortality Insurance: Comprehensive mortality coverage is available, including options for surgical and major medical expenses, agreed value, and loss of use. We also offer limited peril options and European coverage.

With our specialized equine insurance, you can enjoy peace of mind knowing your horses and investments are well-protected.

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Travel

Whether planning a vacation or visiting loved ones, it’s essential to anticipate the unexpected. From the moment you book your travel, unforeseen circumstances can arise, making your plans impossible.

Emergencies like family illness or injury can disrupt your itinerary, and medical issues may occur while traveling. With travel insurance, you gain peace of mind and options to navigate these challenges.

Understand Your Coverage and Choices

Travel cancellation or interruption insurance reimburses non-refundable deposits or prepayments if you cancel due to unforeseen events. However, compensation is usually available only for “covered” medical reasons or specific “named peril” events, so consult an insurance expert to choose the right coverage.

For added flexibility, consider a policy that allows cancellation for any reason. While this comes with a higher premium, it provides valuable peace of mind.

Key components of travel insurance include:

–   Medical Expense Coverage: Protects against accidents and covers emergency medical care while traveling abroad.

–   Emergency Evacuation Coverage: Ensures airlift back to the U.S. if needed; most health plans do not cover evacuation costs.

–   Baggage Coverage: Reimburses you for lost, stolen, or damaged luggage.

–   24/7 Travel Assistance Services: Helps with various issues, including finding medical care, arranging transportation, and managing lost passports.

–   With the right travel insurance, you can travel confidently, knowing you’re protected against the unexpected.

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Individual Health

Whether you’re self-employed, currently between jobs, or seeking temporary coverage, individual health insurance is essential for safeguarding your health and ensuring your family’s well-being. In today’s unpredictable world, having the right health insurance plan is not just a luxury; it’s a necessity that provides peace of mind.

We make it easy to find the right coverage for your unique needs with comprehensive, side-by-side benefit comparisons. Explore a variety of individual health insurance options available to you, including:

–    Individual and Family Plans: Designed for adults aged 19 to 64, these plans offer extensive coverage for a variety of health needs, ensuring you and your loved ones receive the medical care you deserve.

–    Child Health Insurance: Tailored for children aged 0 to 18, these plans focus on pediatric care and preventive services, helping to keep your child healthy and thriving.

–    Temporary Individual Health Coverage: Ideal for those needing short-term insurance solutions, these plans provide essential protection during transitions, such as job changes or gaps in employment.

–    Individual Dental Insurance: Don’t forget your smile! This coverage ensures that you and your family have access to dental care, from routine check-ups to more extensive procedures.

–    Medicare Supplemental Insurance: For seniors looking to fill in the gaps left by Medicare, these plans offer additional coverage options for medical expenses, ensuring comprehensive health care in your golden years.

Navigating health insurance can be overwhelming, but you don’t have to do it alone. Our experienced advisors are here to help you understand your coverage options, answer any questions, and guide you through the decision-making process. When you’re ready to enroll, we’ll assist you in completing your application and managing all the details to secure the coverage you need.

Investing in individual health insurance is a proactive step toward ensuring you and your family are well protected, no matter what life throws your way.

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Medicare Supplemental

If you will soon be eligible for Medicare, it’s time to get coverage that meets your unique individual health needs. HUB International represents many major Medicare Supplemental insurance carriers.

Medicare Supplemental Insurance policies, also known as Medigap insurance policies, are underwritten by private insurance companies to help fill the medical coverage gaps of Parts A and B of Medicare.

Plans are standardized by federal and state laws, so each of the 14 Medicare Supplemental insurance plans available (Plans A through N) provide identical coverage, regardless of insurance carrier.

Since Medicare pays primary, these supplemental plans allow Medicare Beneficiaries to obtain services from Medicare providers across the United States, without network restrictions or referrals required

By utilizing our online quoting tool, you can compare prices and coverage easily. And, our expert advisors can review your coverage options and answer your questions. When you’re ready to purchase, we’ll help you complete your application and take care of the details.

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Life

Life is unpredictable, and ensuring the financial security of your loved ones is crucial. Life insurance serves as a safety net, providing financial support in the event of your passing, allowing your family to maintain their standard of living and cover expenses such as mortgages, education, and everyday bills. Investing in life insurance is a proactive step towards safeguarding your family’s future.

At HUB, we collaborate with over 50 leading national insurance carriers, enabling us to provide a wide range of life insurance policies designed to meet your unique needs. Our offerings include:

–    Term Life Insurance: This policy delivers coverage for a designated period, ensuring financial protection during critical life stages.

–    Whole Life Insurance: Enjoy lifelong coverage with stable premiums. This policy guarantees a death benefit while accumulating cash value over time.

–    Universal Life Insurance: A versatile permanent life insurance option, this policy allows for premium flexibility and investment opportunities to build cash value.

–    Individual Disability Income Insurance: Protect your financial stability with this coverage, which supplements your income in the event of a debilitating illness or injury, regardless of its relation to your job.

–    Long-Term Care Insurance: This insurance helps cover costs for care services needed at home, in nursing homes, assisted living facilities, or adult day care, due to chronic medical conditions, disabilities, or disorders.

Let us help you secure the future for you and your loved ones with the right life insurance policy. With our extensive network and expertise, you can find the perfect coverage to fit your lifestyle and financial goals.

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Pet

Pet insurance is a smart investment for pet owners who want to ensure their pets receive the best possible care without worrying about high veterinary bills. As veterinary treatments have become more advanced, costs for procedures, surgeries, and medications can quickly add up, especially during emergencies or with chronic conditions. Pet insurance helps alleviate these financial burdens by covering a portion of the costs, allowing you to make medical decisions based on what’s best for your pet, not just what’s affordable.

Most pet insurance plans cover accidents and illnesses, including surgeries, hospital stays, diagnostics, and prescription medications. Some plans also offer wellness coverage, which includes routine care like vaccinations, flea treatments, and annual check-ups. In cases of chronic conditions such as diabetes or arthritis, pet insurance can provide ongoing financial relief by covering part of the long-term treatment costs.

Additionally, pet insurance offers peace of mind, knowing you’re financially prepared for unexpected events like injuries, poisoning, or hereditary conditions. It’s especially valuable for breeds prone to specific health issues or aging pets that require more frequent care. Overall, pet insurance allows you to focus on giving your pet the care they deserve, without the added stress of how to pay for it.

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