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Property Insurance Property insurance pays for losses and damages to real or personal property. For example, a property insurance policy would cover fire damage to your office space. You can purchase additional coverages for business property, including: Boiler and Machinery Insurance Boiler and machinery insurance, sometimes referred to as

There are literally hundreds of specialty insurance products to protect your home, autos, rental property, and other valuable personal assets. This category of insurance, called personal insurance, usually contains several subcategories like auto insurance, disability insurance, homeowners insurance, life insurance, long-term care insurance, and wedding insurance. In general, personal injury protection coverage – also known as PIP – not only covers reasonable and necessary medical and hospital expenses when an insured is involved in a covered loss, but also can help you with other expenses while you’re healing. What follows is a summary of the major subcategories of personal insurance. Auto Insurance Auto insurance protects you against financial loss if you have an automobile accident. It is a contract between the owner of a vehicle and the insurance company ensuring it. In the event of an accident, the owner pays the premium and the insurance company agrees to pay their losses as defined in their 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. Disability Insurance If someone were to become injured and unable to perform his or her job, disability insurance protects him and his family’s economic well-being. Disability insurance is a form of insurance that insures the beneficiary’s earned income against the risk that disability will make working impossible. It includes paid sick leave, short term disability benefits, and long-term disability benefits. Home Insurance Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, additional coverage is required for types of disasters, such as flood and earthquake. Health Insurance Health insurance is a policy that will pay specified sums for medical expenses or treatments. Health policies can offer many options and vary in their approaches to coverage but they take the form of a contract between an insurance company and an individual or his employer. The contract can be renewable annually or monthly. The type and amount of health care costs that will be covered by the health insurance company are specified in advance. Life Insurance Life insurance provides a monetary benefit to a descendant’s family or other designated beneficiary, and may specifically provide for income to an insured person’s family as well as money to pay for the funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum of cash payment or annuity. Long-Term Care Insurance Long-term care provides for the cost of care beyond a predetermined period. Long term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring and walking. Wedding Insurance Wedding insurance protects a couple’s investment from circumstances beyond their control. It ranges from wardrobe defects to natural disasters, among many of the other things that can go wrong, and then reimburses expenses incurred.

Contact iNSUREDLA

Text or Call: 7175InsLaw
Email: Shekhar@iNSUREDLA.com

Mail: Shekhar Chikhalikar
21021 Devonshire Street, Suite 202
Chatsworth, CA 91311

Note: Include your cell phone number if you wish to receive a brief response via text. Thank you.

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CONTACT

Shekhar Chikhalikar, Esq

Text or Call: 7175InsLaw
Email: Shekhar@iNSUREDLA.com

21021 Devonshire Street, Suite 202
Chatsworth, CA 91311

LIC#: 4004589
SBN#: 2497088

DISCLAIMER:: iNSUREDLA is an information only website about Estate Planning, Insurance and Real Estate issues in California. It does not provide any services, nor does it do business under the name of iNSUREDLA. iNSUREDLA's owner and proprietor, Shekhar Chikhalikar, is both a lawyer and P&C insurance agent and can be contacted directly to help you with whatever your insurance or legal situation may be. Not all services mentioned on this website are provided by Shekhar. He will recommend you the best in the field as per your needs.

About iNSUREDLA

Contact iNSUREDLA

PROTECT. INSURE. GROW.