- Auto InsuranceWith auto insurance, you are not only protecting yourself in case of an accident, but also your financial well-being in the future and the choices you make could affect you for the rest of your life. In fact, almost every week you can read about tragic accidents in the news, accidents that cause millions of dollars in damage and liability. Protect yourself by purchasing adequate auto insurance.
- Boat InsuranceUmbrella insurance is a type of liability insurance that provides additional coverage beyond your primary insurance policies, such as auto, home, and boat insurance. It is designed to protect you from large, unexpected financial losses that can result from lawsuits and other legal claims. Umbrella insurance is a way to safeguard your assets and future earnings from being wiped out in the event of a catastrophic accident.
- Home InsuranceHomeowners insurance used to be called fire insurance, but that name doesn’t give this insurance policy full credit–a homeowner’s policy covers so much more than just losses resulting from fires.
- Life InsuranceOur life insurance policies offer an affordable solution to those who need a significant amount of life insurance protection on a modest budget. Term life provides temporary coverage–typically for terms ranging from 10-30 years. When a term policyholder dies, their beneficiaries will receive the full amount of the policy’s typically tax-free death benefit.
- Health InsuranceAssuming PIP is not required in your state, your decision to decline it depends on your health plan (factoring in its deductible, co-pays, coverage limits, and exclusions) and your personal risk tolerance. You’ll also want to consider how often you transport passengers who don’t live in your household and may not have health insurance of their own to fall back on. We’ve seen PIP act as “goodwill coverage,” keeping conflicts that lead to lawsuits from arising among people involved in an accident.
- Annuities
- Liability InsuranceOur top priority here at PEMCO is to free our communities to worry less and live more. However, it’s important to keep in mind that accidents can happen to anyone at any time. If you’re found liable for a large sum of money, it can exhaust the limits of your existing insurance policies. That’s where umbrella insurance could help. It’s as simple as that!