Auto and Homeowners Insurance

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Auto and Homeowners Insurance Information

Auto & Home Insurance Coverage

If you own a home or vehicle, you will need to protect it against damage and liability concerns. For one thing, most states require auto insurance and most lenders require home insurance; for another, these policies can save you from financial ruin in a variety of situations that impact your home or vehicle.

As an independent agent, Exceed Insurance works with multiple insurance carriers to provide you home & auto insurance options to meet your specific needs. We also give you many options to bundle coverage for even more savings.

Here's more information on auto & home insurance.

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:
  • 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 injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Learn more about the coverage options Exceed Insurance provides.

Home Insurance

Home insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

Learn more about the coverage options Exceed Insurance provides.
Berkshire Hathaway Guard
The Hartford
Liberty Mutual
Indiana Farmer
Universal Property
State Auto
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