HOW WE CAN HELP
PERSONAL INSURANCE POLICIES
Protection In The Purest Form.
You can trust us to ensure that you are adequately covered today and tomorrow. We will work closely with you to determine the perfect blend of insurance products for your specific needs, including Homeowners Insurance, Umbrella Policies, Auto Insurance, Condo and Renters Insurance, Boat and RV coverage, and more.
Homeowners Insurance
While each home insurance policy is different, there are some standard policy provisions:
- Damage to your house and any permanent structures on your property
- Damage to your personal property
- Limited coverage available for items such as stolen jewelry
- Additional coverage can be added for valuable items by endorsement
Valuing Your Home And Possessions
One common mistake is undervaluing your home. Insurance companies will prorate the claim based on real value so the small amount you save today will not even come close to what you stand to lose. We recommend you purchase an amount of coverage at least equal to the estimated replacement cost of your house. It’s important to have enough coverage to account for unforeseen circumstances.
Along with ensuring the value of your house, you'll want your personal property insured for the right amount as well. You’ll need a list of your personal property and value. Personal property includes your furniture, clothing, appliances, electronics, and other valuables.
Don’t Forget The Liability
Once your home is covered and your personal property is protected, your last step is coverage against liability claims. Don’t leave yourself vulnerable to a liability lawsuit that could erase all you have built for the future.
An often overlooked type of insurance is the umbrella policy. An Umbrella Policy can afford you greater protection at very reasonable premiums.
Umbrella Policy
Excess Coverage Above The Homeowner And Auto Policy
No, this will not cover your dry-cleaning bill if your umbrella does not open. However, similar to an umbrella, this insurance helps provide you with a canopy of protection against catastrophic financial events. Think about this:
Your dog bites and seriously injures your neighbor. You are liable for the extensive medical expenses. Your friend falls in your yard at your annual cookout and successfully sues you for $1 million. Your homeowners insurance tops out at $500,000. You are mowing your yard just before the big game on Saturday and in your rush to finish you don’t see the rock that is hurled by the mower into your neighbors yard striking him in the head causing a permanent disability and a $5 million award. Your teenage son or daughter is at fault in a major car accident which injured the occupants of the other vehicle and causing damage well in excess of your $250,000 car insurance coverage limits.
These are just a small sample of situations where a personal umbrella policy would be helpful by providing additional coverage. Here’s how it works. Once your primary insurance coverage is exhausted, whether it’s your homeowner’s insurance, car insurance, or boat insurance, your personal umbrella policy responds. Plus, umbrella insurance covers many situations that typically aren’t covered by other liability policies.
"I Don’t Think I Need An Umbrella Policy"
Umbrella policy coverage limits can range from $1 million and up. If you think that is too much insurance and you don’t have a need for it, take this test. Add up your assets to include the value of your home, your money in the bank, stocks, bonds, 401(k) funds and other retirement savings, and other assets such as a classic car or new boat. Take a look at your liability coverage you have on your homeowners, auto, and boat policies. Do your current liability policies cover your assets? If you don't have liability protection that exceeds your assets, you need a personal umbrella policy. The premiums are very affordable, and you can protect yourself against a financial game changer.
Personal Auto Insurance
Merritt Insurance Services wants to help you with automobile insurance to protect you and your family in the event of an accident or other loss. We want to make sure you have coverage for injuries and damages caused by an accident as well as the cost of repairing or replacing your vehicle if it is damaged or stolen.
Merritt Insurance Services is committed to serving you. We provide unparalleled customer service with insurance police reviews, new insurance polices, or free/no obligation quotes. We are dedicated to provide value for your insurance dollar by looking for discounts where available such as: multiple cars, anti-theft, safety equipment, safe drivers, good students, and
more.
What We Insure:
- Standard Auto
- Non-Standard Auto
- Classic Cars
- RV
- Motorcycle
- Watercraft
We can offer you a wide variety of coverage options!
Call us at 214-382-0761
Farm & Ranch Protection
Farming and Ranching is a business that you live, every day. No one understands that better than Merritt Insurance.
We recognize the unique needs of farmers and ranchers because we own and live on our own working ranches. That’s why we designed our Farm and Ranch policy to provide broad and flexible coverage for both your personal and farm/ranch needs.
Whether you run a small or large operation, own or rent your land, raise crops or livestock, we will tailor a policy to meet your unique operations.
Condo & Renters Insurance
Condo Insurance
Yes, your condo association does have insurance on your building, but you are not fully covered because your personal belongings are not part of that policy. That’s right. Contents and liability are your responsibility so make sure you have protection in the event a loss occurs.
Condo Association Insurance Is Typically In One Of These Three Forms:
- insures only the primary building and common areas
- insures your building and any items in your unit other than personal property
- insures the building, your unit, and any fixtures or improvements you add to your unit
Renters Insurance
Have you ever done an inventory of your possessions? I bet you’ll be surprised. Think what you have invested in televisions, laptops, computers and tablets. Throw in furniture, clothes, jewelry, and it is easy to see YOU NEED RENTERS INSURANCE!
Boat & RV Insurance Coverage
Insurance protection for your boat, engine, gear, and liability associated with your boat. Standard boat policies typically cover damages resulting from a collision, fire or lightning. Theft and vandalism are covered perils also, as insured losses for boats can occur on land or in the water. Many boat insurance policies provide coverage not only for the boat itself but also for machinery, fittings, auxiliary equipment such as outboard motors and boat trailers, permanently attached equipment such as anchors—up to an agreed value—and personal property. In addition, these policies often have provisions for: damage caused to someone else’s property; medical payments, for injuries to the boat owner and other passengers; bodily injury, for injuries caused to another person; and guest passenger liability, for any legal expenses incurred by someone using the boat with the owner’s permission.
Recreational Vehicle
Regardless of your motorhome or trailer type, RV insurance protects your vehicle if it’s damaged in an accident. You can also get protection for personal belongings inside your RV, as well as liability coverage on the road and when your RV is parked. Additionally, you’ll be able to choose medical payments to cover medical bills for you and your passengers if you’re in an accident, plus roadside assistance and emergency expense coverage.
READY TO GET STARTED?
Our team is ready to help create the perfect policy for you. Getting started is easy, you can request a quote online or give us a call at 214-247-7446