Strength and Stability for Your Home.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way. 

Every Home Insurance policy is different, and at Weiss Insurance Agency, we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

• Fire and Lightning
• Collisions from Vehicles or Aircraft
• Hail
• Sewer/Drain Backup
• Windstorm
• Vandalism
• Volcanic Eruption
• Smoke
• Freezing Conditions or Snow

Ensure that You’re Insured.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered. 

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

• Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
• Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road. 

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative at Weiss Insurance Agency today for more information about what Liability Coverage can do for you.

Belongings Hold Memories. Make Sure They’re Safe.

If you rent an apartment, house, condo, or even a dorm room, you may not think you need insurance. But in the event that fire, theft, or vandalism damages your property, it’s unlikely that your landlord will pay to replace your belongings. 

At Weiss Insurance Agency, we know that you’ve most likely invested a lot of time and money in your personal property, and it’s up to you to take care of it. Having a Renters Insurance, or Tenants Insurance, policy can pay for the cost of replacing your belongings if they are damaged due to a covered accident, or if they’re stolen. 

Depending on your policy, your insurance will pay to replace items using one of two methods: Actual Cash Value (ACV) orReplacement Cost. With ACV coverage, your belongings are insured only for the amount in which they are currently worth, while Replacement Cost will pay for the expense of replacing the items with brand new ones. 

Additional Insurance Options

Also included in your Renters Insurance is Liability Coverage to safeguard yourself from injury claims that occur in your home. If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued. 

In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live. 

A representative at Weiss Insurance Agency is committed to working with you to design a policy that ensures you get the options you want at a price you can afford.

Be Ready for Anything and Everything.

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from Weiss Insurance Agency will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses. 

Coverage That Keeps You Protected

A Weiss Insurance Agency Umbrella Liability policy works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance. 

Personal Umbrella insurance can be applied to events such as:

• Car Accidents
• Accidental injuries on your property
• Accidents involving your boat, ATV, or other recreational vehicle
• Golf Course Injuries
• Defense fees and other legal costs
• Personal Injury Coverage for claims of libel, slander, and more

At Weiss Insurance Agency, we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

It’s More Than a Vehicle. It’s a Lifestyle.

As a motorhome owner, you get the best of both worlds by combining the freedom of the open road with all of the conveniences and amenities you enjoy at home. And just like your home, your recreational vehicle is a big investment that should be protected. 

Motorhome Insurance from Weiss Insurance Agency is a convenient and affordable way to ensure the safety of you, your passengers, and your belongings on the road. 

Your Weiss Insurance Agency motorhome policy is designed to provide the rates you want with the coverage you need, with basic protection options such as:

• Collision Coverage – for loss or damage to your recreational vehicle resulting from an accident
• Comprehensive Coverage – as extra coverage against losses from fire, theft, or vandalism
• Bodily Injury Liability – to pay medical expenses to others after an accident
• Property Damage Liability – for damage caused by you to another person’s property

Extra Protection Matters

For an increased level of security, additional insurance options such as Medical Payments coverage, Emergency Roadside Assistance, and Premium Towing and Labor are also available. Custom equipment such as quality sound or entertainment systems can also be covered for an extra premium. 

Weiss Insurance Agency wants to ensure that you receive the best insurance solutions at the best price possible. You may be eligible to start saving today with discounts for:

• Association memberships
• Completion of a driver safety course
• Insuring multiple vehicles
• Combining your Motorhome Insurance with other Weiss Insurance Agency policies

Our team of RV Insurance specialists is ready to discuss your insurance needs and your budget to help design the right policy that keeps you and your motorhome, or travel trailer, safe on the road. 

Wherever your journeys may take you, rest easy with the peace of mind of Motorhome Insurance from Weiss Insurance Agency.

Cast Your Worries Aside.

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy from Weiss Insurance Agency, you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles:

• Yachts
• Performance Boats
• Sail Boats
• Bass Boats
• Jet Skis
• WaveRunners

What Can a Boat Insurance Policy Cover?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

• Vandalism
• Collision with another boat or object
• Theft
• Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available. 

In addition, Liability Boat Insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident. Coverage options include:

• Bodily Injury payments
• Damage to another’s property
• Medical Payments
• Guest Passenger Liability

Additional Coverage Options

At Weiss Insurance Agency, we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercrafts or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from Weiss Insurance Agency. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.

You’ve Made It Your Living. Keep It Protected.

There are probably a lot of reasons for why you chose to make your living on the farm – from the independence and freedom that comes with owning your own business to knowing the value of a hard day’s work. At Weiss Insurance Agency, we’re in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and we’d like to return the favor by offering you the comprehensive protection you deserve. 

A Farm Owners policy from Weiss Insurance Agency is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage. 

Dwelling

For most people, a farm is more than a place to work – it’s also where you lay your head after a long day. Under the dwellingportion of your Farm Owners policy, Weiss Insurance Agency will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.

Personal Property

Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

Liability

Liability protection from Weiss Insurance Agency helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

Peace of Mind for You and Your Loved Ones.

The Affordable Care Act health insurance reform law requires most people, including children, to have health coverage or pay a penalty.
If you don’t have employer-provided coverage, we can help. You do not have to go to a health insurance exchange to get the coverage you need. We offer a wide selection of individual health insurance plans for individuals and families that meet the requirements of the Affordable Care Act, or “Obamacare.”

We also offer other programs to protect your health and finances, such as dental insurance, life insurance and long-term care insurance.

Individual/Family Medical Insurance

We can help most people find a medical insurance plan that fits their budget, from a plan that offers generous coverage to a high-deductible plan designed primarily to protect your family from the cost of catastrophic illness. These plans will meet the requirements of the Affordable Care Act health care reform law, so you will not have to pay a penalty.

You can also buy supplemental insurance plans that will pay some of the costs your health insurance plan won’t cover. These include hospitalization insurance (or hospital indemnity insurance), critical illness insurance and cancer insurance. These supplemental insurance plans will pay benefits that you can use however you choose if you are hospitalized or suffer a covered illness.

Medicare Plans

Seniors face a bewildering array of health plan choices. Should you stick with Original Medicare, which provides only hospital and medical coverage? Original Medicare, plus a Medicare Supplement from a private insurer? Or should you opt to buy a Medicare Advantage plan through a private insurer to take care of all your health insurance needs?

Dental Insurance Plans

Dental insurance encourages preventive dental care, which saves an estimated $4 for every $1 spent by eliminating the need for expensive, invasive and painful procedures.

The Affordable Care Act requires all new (non-grandfathered) health insurance plans in the individual and small employer markets to include dental coverage for children age 18 and younger as an “essential health benefit.” This means if you’re getting coverage for someone 18 or younger on an individual or small group plan, dental coverage must be available as part of the plan or in a stand-alone plan.

Although the health care reform law requires most people to have health coverage or pay a penalty, this doesn’t apply to dental coverage. Although insurers must make dental coverage available to individuals age 18 or younger, you don’t need to have dental coverage, even for children, to avoid the penalty.

Even if you don’t need dental insurance to avoid penalties under the Affordable Care Act, dental insurance helps many people afford expensive dental care.

Most dental insurance plans cover:

• Twice-yearly cleanings and exams
• Annual x-rays
• Restorations (fillings and crowns)
• Periodontics (treatment of gum disease)
• Endodontics (root canals)
• Bridges and dentures

Some also cover orthodontics. Many dental insurance plans let you see any dentist, while some use a network of dentists.

Vision insurance

The Affordable Care Act requires all new (non-grandfathered) health insurance plans in the individual and small employer markets to include vision benefits for children age 18 and younger as an “essential health benefit.” This means if you’re getting coverage for someone 18 or younger on an individual or small group plan, vision coverage must be available as part of the plan or in a stand-alone plan. This benefit covers an annual eye exam and one pair of glasses or contact lenses for children. The law does not require plans to offer vision benefits for adults.

And as with dental benefits, you do not need to have vision coverage, even for children, to avoid penalties under the Affordable Care Act.
Still, vision coverage encourages individuals and families to get regular eye examinations. An estimated 11 million Americans have uncorrected vision problems, ranging from refractive errors (near- or far-sightedness) to sight-threatening diseases such as glaucoma or age-related macular degeneration. Regular eye examinations can also identify other health conditions, such as diabetes, that can affect the eyes even before the individual experiences noticeable symptoms.

Accidental Death and Dismemberment Insurance

Accidental death and dismemberment insurance, or AD&D insurance, provides valuable coverage from accidental death or injury that causes loss of a limb, sight or hearing. It’s particularly valuable for younger individuals, who are more likely to die or become injured in an accident than older people, and it’s inexpensive—as little as $5 per month.

AD&D pays a set benefit if the insured dies in an accident. You can add AD&D coverage to a life insurance policy; in that case, if you die in an accident, the insurer will pay a “double indemnity,” or twice the death benefit.

AD&D also pays a portion of the death benefit if you lose or suffer the loss of use of an extremity, hearing or sight due to accident. This makes AD&D valuable protection for the vast majority of people who do not have individual disability insurance. AD&D insurance can provide their families protection from certain types of disabilities for very little cost.

Long-term Care Insurance

With nursing homes costing an average of $83,000 annually (more in urban areas), long-term care needs can stretch the finances of almost any family. Medicare and Medicare Advantage do not cover custodial care in a nursing home, assisted living or home healthcare setting. Unless you have savings or long-term care insurance, when you can no longer take care of yourself, you would have to spend down your assets until you qualify for Medicaid.

Long-term care insurance (LTC) can help you pay for the cost of nursing home and other long-term care for yourself or for an elderly dependent.

A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. About 10 percent of the people who enter a nursing home will stay there five years or more.

 

Many individuals consider Life Insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to ensure that the family home stays in the family.

At Weiss Insurance Agency, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve. 

Types of Individual Life Insurance

Weiss Insurance Agency offers several different coverage options for your consideration: Term Life, Whole Life, Universal Life, and Variable Life Insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term Life Insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most Term Life policies can be converted to a more permanent insurance solution such as Whole Life, Variable Life, or Universal Life Insurance. 

There are two types of Term Life Insurance:

• Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
• Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.

Whole Life – As the most common type of permanent insurance, a Whole Life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Universal Life – Universal Life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your Universal Life policy can affect its guarantees and limits.

Variable Universal Life - With a Variable Universal Life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.