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What is Home Insurance?

Home insurance, also commonly called hazard insurance, fire insurance, or homeowner’s insurance. This is a type of property insurance that covers a private residence.

It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at home or the hands of the homeowner within the policy territory.

Common Coverages Included in Home Insurance

What is Auto Insurance?

Many people think auto insurance is just something they must have by law and something they will likely never use. Auto insurance is a product you buy but hope you never have to use. It is not a maintenance plan or a new car replacement tool. Auto insurance can protect not only your car but also your wallet.

In the litigious society we live in, a simple fender bender could turn into a lawsuit. Having a solid auto insurance policy can prevent that from happening.

Common Coverages Included in Auto Insurance

What is Business Insurance?

Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster.

Business Insurance is a broad name for different coverages available to the business owner to protect against losses and ensure the business’s continuing operation. 

Common Coverages Included in Business Insurance

What is Life Insurance?

Life insurance acts as a contract between an insured person (the policyholder) and an insurance company, where the insurance company promises to pay a selected beneficiary a sum of money (listed as “benefits) upon the policy holder’s death. Depending on the contract selected, other events such as terminal illness or critical illness may also receive a payment to the policyholder or their beneficiary. In addition, the policyholder will pay a premium, either in regular installments or a lump sum.

Other expenses such as funeral expenses are often included in the benefits but review your specifics with our licensed agents. People buy life insurance for many reasons. Often it is purchased by the policyholder to offer peace of mind to the beneficiary in the event of their untimely death. As such, it would alleviate any financial hardships they may endure as a result of their death.

Something else to discuss with your licensed insurance agent is the possibility of a life insurance policy to act as payouts during retirement.

Be sure to have your agent explain the benefits and drawbacks of such a program. Life insurance policies are legal contracts and carry terms that describe the limitations of insured events. Exclusions will apply in many cases limiting the insurer’s liability, such as suicide, fraud, war, riot, and civil unrest. Consider all these items carefully before purchasing a policy.

Common Coverages Included in Life Insurance

What is Umbrella Insurance?

Umbrella insurance refers to liability insurance that is in excess of specified other policies and also potentially primary insurance for losses not covered by the other policies.

When an insured is liable to someone, the insured’s primary insurance policies pay up to their limits and the umbrella policy pays any additional amount up to the limit of the umbrella policy.

Common Situations Protected By Umbrella Insurance

Going the Extra Mile for Your Convenience

The Road Less Traveled

The thrill of adventure – is what owning a recreational vehicle is all about. Whatever your interest, be it cruising on your motorcycle or exploring the road less traveled on your ATV, Bay Area Insurance offers advanced coverage options to meet the insurance needs of the adventurer in everyone.

Whether you are an experienced outdoor enthusiast or just starting, we have a policy to fit your needs – from RVs and boats to ATVs. ARK Insurance can ensure the safety of both you and your vehicle. Our insurance options provide you with the same service and rich features you can expect – from comprehensive and collision coverage to personal injury protection and towing costs.

Why Recreational Vehicle Insurance?

Owning a recreational vehicle can be a dream come true. It gives you the freedom to travel and the capability to explore new places, but with freedom comes responsibility. Should an accident happen – such as property damage, vandalism, or bodily injury resulting from a crash – it is reassuring to know that your investment is protected.

With Recreational Vehicle Insurance from ARK Insurance, you can continue living the dream with confidence, knowing that you, your vehicle, and your passengers are protected. Contact one of our representatives today to find a package that works best for you.

Getting the right coverages for your business or personal use should not be a hassle. With a variety of policy options available under one roof, ARK Insurance can take care of most of the work for you.

We offer a variety of Recreational Vehicle Insurance packages, such as:

Talk With Us!

Let us help you prepare for the unpredictable with a FREE consultation!

Talk With Us!

Let us help you prepare for the unpredictable with a FREE consultation!

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