Personal Insurance

Homeowner
Tenant
Auto
Marine
Identity Theft
Life Insurance

Homeowner

The typical homeowner's insurance policy provides coverage in the event of such disasters as windstorm, fire and theft. The extent of the perils covered depends on the type of policy. An "all risk" or comprehensive policy offers the broadest coverage. This covers all perils except those specifically excluded. A homeowner's policy also includes coverage for your personal liability.

Tenant

Provides coverage for personal possessions and personal liability when you rent an apartment or house.

Auto

Covers you and your passengers in the event of a vehicle accident or theft. Since vehicle insurance is mandatory and there are so many factors that influence your premium, we make sure you get the best insurance for you, at minimal cost.

Marine

Compensates the policy owner for losses caused by fire, weather, theft, and accidents. Coverage can also include passenger liability, equipment, trailers, and water-skiing liability. Rates are usually dependent on size and horsepower of boat, experience of the operator, and navigational range.

Identity Theft

Identity theft is one of the fastest growing crimes in North America. Criminals obtain your personal information and use it to assume your identity. They may create accounts in your name, use the money in existing accounts, and apply for loans. You may not become aware this has happened until a collection agency contacts you or until you try to apply for a loan yourself and find your credit rating is in jeopardy. Protect yourself and insure against this terrible crime.

Life Insurance

If you died tomorrow, could those close to you pay for your resulting expenses? Life insurance ensures that those you love are financially secure in the event of untimely death. The money your beneficiaries receive can help pay a mortgage, outstanding loans, daily living expenses, and school funding.

This is one example of the Financial Services available from McDougall Insurance and Financial. Please contact one of our Financial Service representatives today to learn more.