Renters Insurance - covers those aspects of the apartment and its contents not specifically covered in the blanket policy written for the complex. This policy can also cover liabilities arising from accidents and intentional injuries for guests.
Condominium Insurance - is designed especially for the owners of condos. It includes coverage for the part of the building owned by the insured and for the personal property housed therein. The coverage is designed to span the gap between what the homeowner's association might cover in a blanket policy written for an entire neighborhood and those items of importance to the insured. This policy covers liability for residents and guests of the insured in addition to personal property.

Pearl Carroll Rep.
Claudia Ramirez  1-800-743-6751

The typical homeowners (home) insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. Home owners insurance also covers additional living expenses while the house is being restored after a disaster. The liability portion of the policy covers the home owner for accidental injuries caused to third parties and/or their property. Coverage for flood and earthquake damage is excluded and must be purchased separately

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Pearl Carroll Rep.
Claudia Ramirez  1-800-743-6751

There are basically six different types of coverages. Some may be required by law.

1. Bodily injury liability, for injuries the policyholder causes to someone else.
2. Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder's car.
3. Property damage liability, for damage the policyholder causes to someone else's property.
4. Collision, for damage to the policyholder’s car from a collision.
5. Comprehensive, for damage to the policyholder's car not involving a collision with another car.
6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

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Pearl Carroll Rep.
Claudia Ramirez  1-800-743-6751

(sometimes known as specified disease insurance) pays a lump sum payment directly to you to offset the unexpected costs associated with surviving a critical illness. Covered illnesses include: cancer, heart attack, kidney (renal) failure, stroke, and a condition requiring major organ transplant.

Pearl Carroll Rep.
Claudia Ramirez  1-800-743-6751

Often called disability income insurance, pays a monthly benefit if you are unable to work because of a sickness or accident on or off the job. The monthly benefit will begin after a waiting period and will continue for a specified Benefit Period. In other words, it answers the question, "How would I pay for my living expenses if I became unable to work?"

• Short Term - This type of plan pays only for a maximum of 26 weeks of benefits.
• Long Term - This type of plan pays for a longer benefit period, usually more than 6 months.

Pearl Carroll Rep.
Claudia Ramirez  1-800-743-6751