Swanigan & Associates Insurance Agency

read moreRenters insurance in Glendale provides financial protection against loss or damages to your possessions when you rent a house or apartment. While your landlord may be sympathetic to a burglary you have experienced or a fire caused by your iron, damages or losses of your possessions is not usually covered by your landlord's insurance. Because in most cases, renters insurance covers only the value of your belongings, not the physical building, the premium for renters insurance is relatively inexpensive.

read moreIndividuals that operate their own businesses need property insurance in addition to a home based business or business owner's policy. This protects you against financial losses from lawsuits filed against you by your clients or vendors. Property Insurance covers the buildings that you may own and inventory against physical loss or damage. If you don't own the building, you still need property insurance for the contents in the building. This type of property insurance covers the furniture, fixtures, inventory and other supplies that may be stored at your office.

read moreIf you have purchased a condo, the bank will require condo insurance to protect its investment of your condo. You may however, need more condo insurance in Glendale to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building such as the lobby. Your own condo insurance policy. This provides coverage for your personal possessions, structural improvements to your condo and additional living expenses if you are the victim of a fire, theft or other disaster listed in your condo insurance policy.

read moreHomeowners and renters insurance does not cover flood damage. Flood insurance coverage is available in the form of a separate policy both from the National Flood Insurance Program and from a few private flood insurance companies in Glendale. The NFIP flood insurance policy provides replacement cost coverage for the structure of your home, but only actual cash value flood insurance coverage's are for your possessions. Replacement cost coverage pays to rebuild your house as it was before the flood damage.

read moreHomeowners insurance in Glendale provides financial protection against life's unforeseen perils. A standard homeowners insurance policy insures your home and the things you have acquired for it. Homeowners insurance coverage in Glendale is considered to be a package policy. This means that the homeowners insurance policy covers both the damage to your home and the liability or legal responsibilities for any injuries and/or property damage, which you or members of your family may cause to other people.

read moreMost boat insurance companies in Glendale provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horsepower under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined. Liability Boat Insurance coverage is typically not included, but it can be added as an endorsement to a homeowner's policy.

read moreAuto insurance protects against financial loss in the event you have an accident. It is a contract between you and your auto insurance company. You agree to pay the monthly auto insurance premium and your auto insurance company in Glendale agrees to pay your losses as defined in your auto insurance policy. Property coverage pays for damage to or theft of your car. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. Medical coverage pays for the cost of treating auto injuries, rehabilitation and sometimes lost wages and funeral expenses.