Loving Insurance Agency
Personal Insurance Products
Crop Insurance Products
Life, Health & Annuities
Business Insurance Products
Home Insurance
Homeowers-A package policy providing coverage for damages to your property and your liability for any damages you or members of your family (including damage by household pets) cause to other people.
Standard Fire -These policies have limited coverage. Additional perils my be added by endorsements.
Auto Insurance
Liability - Bodily Injury and Property Damages for accidents which are your fault.
Physical Damage - Damage to your vechicle.
Uninsured/Underinsured Motorists - Allows you to recover for accidents caused by people with no insurance, or low limits of liability.
Personal Injury Protection (PIP) is an endorsement that adds no-fault benefits. No-Fault means that in the event of an automobile accident, each party collects from his or her own insurer regardless of fault. The PIP endorsement is only available in certain states with No-Fault Laws. The endorsement applies only to bodily injury and not to property damage. (The state of Michigan is the exception to property damage.) No-Fault Laws vary widely from state to state.
Motorcycle/RV/Boats
Motorcycle-coverage includes bodily injury and property damage liability, medical payments, personal injury protection, collision, comprehensive, and uninsured/underinsured motorist bodily injury.
RV-coverage includes bodily injury and property damage liability, uninsured/underinsured motorists, medical payment, comprehensive and collision options, roadside assistance, emergency expense, replacement cost personal effects, vacation liability, Mexico physical damage, trailer, fire department service charge, full timer's package and also a deluxe package.
Boats-coverage includes bodily injury and property damage liability, uninsured boater, medical payments, comprehensive and collision options, personal effect's replacement, on-water towing and labor, fishing equipment, fuel spill liability, wreckage removal, water sports, and Mexico physical damage.
Condos
Provides coverage for your personal property, replacement value of your primary dwelling and specific permanebt attachments (walls, floors, ceiling coverings etc.) up to a specific value, bodily injury and property damage liability. Damage protection from fire, plumbing freezes, vandalism, glass breakage, etc.
Manufactured/Mobile Homes
provides coverage on your mobile home and adjacent structures that you own. It generally does not protect while in transit. Coverage includes damage from fire, windstorm, falling objects, lightning, explosion and more protection for personal effects and personal liability.
Tenant Properties
Renters Insurance-provides coverage up to your chosen limits for personal property and personal liability.
Liability/Umbrella
General Liability-covers businesses against third party claims.
D&O Liability-covers the acts or omissions of those in director or officer positions.
Employer Liability-protects the employers in case of injury, job related illness or other damages for which an employee might sue the company.
Professional Liability-It protects those seen as professionals or experts in a given field.
Umbrella Liability- It covers above all of the other types of liability you might carry.
Barns
Covers your barn against perils such as fire, windstorm, hail, etc up to your specific amount. It does not cover what is inside the barn unless you cover contents as well.
Irrigation Systems
Covers your systems against damages caused by certain perils as listed in the policy.
Farm & Ranch
This policy is identical to the homeowners policy except it is written on property outside the city limits and on a certain amount of acres. You can add specific endorsements to cover additional items.
Farm & Ranch Equipment
Provides coverage for your tractors, hay equipment, trailers, combines, plows, etc. If you are a commercial farmer or rancher this will fall under a different policy.
