Edward Shafer - Guaranteed Rate Insurance

Dwelling
Covers damage to the structure of your home, including your roof, foundation, built-in appliances, cabinets, and any attached structures.

Other structures
Covers damage to detached structures on your property, like your garage, shed, above-ground pool, or fence.

Personal property
Covers the cost of damaged or stolen personal belongings, including clothing, jewelry, and electronics.

Additional living expenses
Covers the costs of hotel stays and restaurant meals if your home is being repaired or rebuilt after a covered event, like a fire.

Personal liability
Covers legal and medical expenses if you or a family member are held liable for injury or property damage to others (like if your dog bites a neighbor).

Medical payments
Covers medical bills if a guest is injured on your property.

Personal property
Your furniture, clothes, and any other personal belongings can be replaced if stolen or destroyed.

Your policy travels
Laptop stolen at the airport? Bike vandalized? Wherever you go, your stuff stays protected.

Displacement
Temporary living costs, like food and hotels, are covered if your home becomes uninhabitable.

Liability
If someone is injured or if property is damaged at your rental, your personal assets can be protected from any lawsuits.

Collision coverage
Regardless of fault, collision coverage applies to any boo-boos that happened from hitting another car or objects being struck by other cars. In the event of a total loss, the replacement costs are based on the actual cash value or, with New Car Protection, the purchase price of your car.

Comprehensive coverage
Comprehensive coverage protects your car from uncontrollable events. Coverage includes windshield damage, vandalism, fire, accidents with animals, falling trees and natural disasters.

Liability
Coverage for damage to other cars, property and medical expenses for other drivers, passengers or people when you are at fault. Chat to our agents about an Umbrella Policy to protect yourself against costs that exceed your policy limits.

Uninsured or underinsured motorist coverage
With 1 in 8 drivers uninsured, it's important to protect yourself from additional risk. The right coverage won't leave you with unpaid bills, even if the driver at-fault is uninsured, or if their coverage limit is reached.

Accident and illness
Accident and Illness coverage may include wellness coverage. It is a more comprehensive coverage that includes treatment for accidental injury, sickness, and diseases.

Accident only
Accident only coverage will help you pay veterinary bills associated with injuries sustained from accidents. Such coverage will not include treatment for sickness or disease.

Wellness coverage
Wellness coverage is also called Preventative Care coverage. This type of pet insurance helps to offset the expense of the regular veterinary costs associated with being a pet owner. It covers routine expenses such as vaccinations, lab work, and dental care.

Affordability
Jewelry insurance typically only costs 1-2% of the jewelry's value annually. For example, a $5,000 engagement ring could cost as little as $50 per year to insure. To put that in perspective, jewelry insurance can cost less than getting one coffee every month for a year.

Repair & Replace
A jewelry insurance policy allows you to work directly with your preferred jeweler to repair or replace your lost or damaged jewelry with "like kind and quality".

No Coverage Limits
Many insurance policies not specifically designed for jewelry have a reimbursement limit. For example, a typical homeowners insurance policy might only pay up to $1,000 for jewelry claims, regardless of the value of the piece. With jewelry insurance, your limit is customized based on the value documentation you provide for your jewelry items, such as an appraisal or detailed receipt.

Claims
With a jewelry insurance policy, you have the ability to work with your own jeweler at the time of a claim, with guidance from jewelry insurance experts to get your jewelry back to the way it was as fast as possible. Plus, in most cases, you can choose your own deductible from flexible options, including $0.