Unfortunately, guardian angels make great little pins but they aren’t going to help you when there is faulty wiring in your home or you get into a little fender bender.  Give the insurance experts at Henry O. Baker a call.  Sure, we won’t make the cutest pins, but we’ll be the next best thing to a guardian angel.

Auto Insurance – Standard:

• Collision coverage – pays for damages to your car if you’re in a covered accidentt
• Comprehensive coverage – pays for damages to your car from a fire, theft, vandalism or many other events
• Liability insurance – protects you and your family against claims for bodily injury or property damage caused by an auto accident in which you or your covered family members are considered legally responsible
• Personal Injury Protection (PIP) – provides medical coverage for injuries you (and others) suffer in an auto accident
• Uninsured/Underinsured motorist – typically covers injury resulting from a hit and run or an accident with an uninsured driver

Auto Insurance – Additional Coverage Options:

• Rental reimbursement – covers the expense of a rental car while your vehicle is being repaired, as a result of a covered loss, up to the limits of your policy
• Towing and labor – provides towing service for a disable vehicle
• Repair or replacement collision – pays for replacing your vehicle with a new vehicle of like kind and quality if the collision results in a total loss
• Auto loan/Lease coverage – in a total loss, this coverage generally pays for the additional amount you may owe on your loan or lease above your vehicle’s value

Homeowners Insurance - Standard:

• Home or other buildings on property
• Contents of home including furniture, clothing, appliances and other personal belongings

Homeowners Insurance – Additional Coverage Options:

• Additional replacement cost protection – provides additional protection so that, in the event of a covered total loss, your policy will protect you if you need more to rebuild your home – even if the costs are higher than your policy’s basic coverage limits
• Replacement cost contents – eliminates depreciation on the contents of your home
• Identity theft protection program – provides you with access to a consumer fraud specialist who can guide you through the process of reclaiming your identity and reimburses you for the expenses associated with clearing your name and financial record
• Personal articles floater - supplements coverage for possessions of higher monetary value, such as a diamond engagement ring, your grandfather's pocket watch, artwork, or a valuable collection. While most homeowners policies have limits on the dollar amount and type of loss that can be recovered, Personal Articles Floater will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster

Homeowners  - Built-In Discounts:

• Loss-free discount
• Multi-product discount
• Protective device discount
• New home buyer discount

Universal Security Policy (USP) - gives you a discount when you combine your personal insurance needs into one policy that helps to eliminate any gaps in coverage. Your Henry O. Baker agent can help you select great insurance coverages, giving you the peace of mind of great coverage with one renewal date and one payment plan.

USP – Additional Coverage Options:

• Home work supplement – liability coverage and increased business property coverage for many aspects of your home-based business
• Personal umbrella coverage – an option that increases your limit for covered injuries to others up to $5 million
• Water backup of sewers and drains - covers losses caused by water that backs up into your property through your sewers or drains.  
• Electronic equipment used with an auto – coverage for certain specific electronic equipment (e.g., transportable car phones, CD players, etc) not permanently installed in the vehicle
• Replacement cost contents – reasonable cost to repair or to replace covered personal property to its condition prior to a covered loss
• Property location limit – ability to use a combined property limit for a covered loss to your home, contents or other structures
• Windshield repair – comprehensive deductible waived if windshield is repaired rather than replaced

Additional insurances available:

• Boat and yacht
• Flood
• Personal articles
• Personal liability umbrella
• Condominium
• Renters