personal insurance

AUTO, HOME, PET, RENTERS AND MORE

In today’s age, insurance has become a necessary part of life. When you walk into a doctor’s office, get pulled over, sign a new lease, buy a new vacation home, break your glasses, bring the dog in for shots, or are faced with the gush of water from a cracked pipe in the ceiling, the first question is always “What insurance do you carry?” Gone are the days of holding a rainy-day fund as substitution for an insurance policy against life’s disasters. Today, personal insurance policies aren’t just for catastrophes, they are used for the everyday needs.

Auto Insurance

Everywhere you look, car insurance companies are saying they can offer you 15% discount if you switch to their auto insurance. We also appreciate a good deal, but what are you sacrificing for that discount? BRBG can help you find the right car insurance policy for your needs, whether that includes saving you 10% – 30% with a higher deductible or getting you larger lower-deductible coverage that covers more with better customer service when you do need it. 

Homeowner’s Insurance

Did you know that home insurance or homeowner’s insurance is not just a single policy, but multiple coverages put together to create a package? These coverages can include damage to the residents, loss of personal property that is within the residence, medical bills of an individual injured on the premises. Costs typically are calculated based upon the replacement value of the house, plus a calculation for the risks of the activities within and surrounding the residents. The addition of a new pet or trampoline to a house can cause your insurance premiums to jump, as your in-home risk rises. Adding risk-prevention measures, like storm windows, fire sprinklers, fire alarms, or a security system can reduce monthly premiums. 

Renters Insurance

Simply put, renters’ insurance acts just as homeowners’ insurance, without covering damages to the residents itself. A renters policy can cover the property within the rental and the medical bills of persons injured while on the property, but will not, for example cover the repair bill for a tree falling through the roof. The limitations of coverage make rental insurance much more affordable, as it is assumed that the property-owner has a separate policy that covers damage to the residence itself. Renter’s insurance is often required by landlords. This policy type will not cover damage made to the property by tenants. Coverages primarily include property and medical liabilities.

Pet Insurance

Broad Range Benefits Group offers Pet Insurance Plans that will allow you to provide the greatest possible medical care for your family pet. Our comprehensive pet insurance plan encompasses many aspects of your pet’s health and well-being including accidents, illnesses, diseases, emergency care, genetic conditions, and alternative care. You can begin the enrollment process and receive a 10% discount by filling out the form located below. Once you click Submit, you will be redirected to the enrollment form where you can input the 10% discount code INS0466C and continue the enrollment process!

Health Insurance

I think we can all agree that health insurance can be one of the most complex, but important policies an individual can carry. Depending upon your policy selection, you can have part, a percentage, or a doctor’s entire visit covered. Certain types of visits can be covered while others are not, even if medically necessary. Injuries and illnesses can be treated differently. Planned medical changes such as pregnancy or gastric bypass can be partially or completely excluded. And so on. Selecting a health insurance policy is not something you want to do alone. It is best to have an expert by your side.

Dental Insurance

Though some people may have naturally-straight, cavity-free teeth, most of us are not as fortunate. Thankfully, dental insurance has become much more affordable over the years, protecting the rest of us from the high costs of the occasional root canal and cracked crown. Policies can include yearly maximums. Some policies include prevention-visits, while some reduce premium costs by only covering basic or even only major procedures.

Vision Insurance

No matter who you are, your vision-quality will fade as you age. Vision or eye insurance can help cover some of the costs when your eye prescription changes or when you drop and scratch your glasses when loading groceries in your car. Though eye-care professionals in chain-companies may accept insurance, it is less likely that independent ophthalmologists do, but it is easy to submit your billings for insurance reimbursement if your eye-care professional will provide you with billing codes.

Marine Insurance

Some companies specialize in providing coverage for antique and classic boats. Policy holders can choose between an actual cash value or agreed value policy. Some policies include discounts based on a policy holders’ boating education, boat safety features or whether they have a hybrid or electric boat. Our in house marine insurance specialist will carefully review the make, model and use of your boat followed up by recommendations to ensure that you are properly covered. 

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