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WELCOME TO BROOK INSURANCE

Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before.

In the past, you were pretty much stuck accepting whatever type of insurance your agent could find for you. Then, around ten years ago, nearly every insurance company started offering their product online. Soon after, people started feeling as though they were insurance experts and handled their polices online themselves. This wasn't a bad thing—in many cases. However, there are downfalls to working directly with the insurance companies.

In many cases, insurance customers do not understand what type of coverage they need. They take the lowest possible rate, without looking into the repercussions that could be caused. This is fine and good—until the time comes that they need to get something back from the insurance company.

Because of this, working with an independent agency is actually still a superior way to obtain insurance. The agent can help you get the coverage you need at a price you can afford. Additionally, there are many agencies now that offer features that make it even easier. For instance, in some cases you can compare insurance quotes online.Unlike trying to compare by visiting each site yourself, using one of these tools means that you are comparing apples to apples. Therefore, not only are you paying as little as possible, you are still getting the type of coverage you need. Spend some time researching the options, and then choose an independent agency that will make things easy for you and save you money too.

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a rob gibson agency

Office: 859.251.6970

text: 859.625.2417

email: brook4ins@gmail.com

Fax: 859.251.6970

Office: 859.251.6970

text: 859.625.2417

email: brook4ins@gmail.com

Fax: 859.251.6970

AUTO INSURANCE

Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

• Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a wall, barrier or bridge.

• Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer or vandalism.

• Liability Coverage –This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver make certain you have an adequate amount.
  

• Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.
  

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

Office: 859.251.6970

text: 859.625.2417

email: brook4ins@gmail.com

Fax: 859.251.6970

HOME INSURANCE

When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

Homeowners, Condo, and Renters Policy Types: The Differences

A homeowners policy is for people who own their own home. This may be either a house or a condominium: Essentially, if you are making payments on the home with ownership as the end goal you will need homeowners insurance. This type of policy will cover both the outside of the home and all the contents of your home. It will cover the majority of natural disasters (certain disasters like earthquakes may be excluded but you may add extra coverage for that specific purpose) and will allow you to replace or rebuild damaged property. If your home is broken into by a thief and items are stolen your insurance will help replace stolen items and pay for any damage in terms of vandalism that the thief did.

With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.

You may be very surprised to see the range of prices you'll get in home insurance quotes. You can sometimes save hundreds of dollars, or even more, simply by choosing one company over another. However, it is important that you get quotes only from reliable top carriers. Your local independent agent is the best resource for this since they can accumulate multiple quotes from the top carriers for you online. Your independent agency will give you the power to compare all the best policy options conveniently at home!

Office: 859.251.6970

text: 859.625.2417

email: brook4ins@gmail.com

Fax: 859.251.6970

COMMERCIAL INSURANCE

Business owners should carefully consider their Commercial Insurance needs, which offer a range of vital protection related to the business. From vehicles to property and the employees within the business, owners can safeguard their investment and lessen the risk of a scenario affecting its growth and presence. The following areas represent some of the primary Commercial Insurance needs that any business should approach.

Commercial Auto Insurance

A vehicle that is used within the context of business must have its own policy; a personal car insurance policy is not enough, as it won’t cover items that relate to business. If your business uses vehicles to perform routine or even occasional operations, a commercial auto policy is a must.

Commercial General Liability Insurance (CGL)

Bodily injury, property damage, personal injury, and advertising injury are covered with a CGL policy. A convenient catch-all type of policy, many businesses can use it as a starting point for their insurance needs – in terms of liability.

Commercial Property Insurance

A commercial property insurance policy could be thought of as a commercial version of a Home policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.

Workers Compensation

Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.

Business Owner Package (BOP)

Small business owners can take care of many needs in a BOP policy – it often includes vehicle, property damage, business income, property, and bodily injury, as well as other types of basic insurance needs.

Business owners can compare quotes online using an independent agency. This is a valuable option that can save time and money, where owners can receive quotes from several top-tier insurance companies at once.

john brook

a trusted insurance agent

Office: 859.251.6970

text: 859.625.2417

email: brook4ins@gmail.com

Fax: 859.251.6970