At Huff Insurance, we have been Protecting Lifestyles ™ since 1960. You may be asking yourself, what does Protecting Lifestyles ™ mean?
Well, to us, Protecting Lifestyles ™ means everything. You have worked all of your life to accumulate your assets and develop the lifestyle that you are accustomed to living. When you deal with Huff Insurance, our primary goal is to protect that lifestyle that you have worked so hard for by customizing an insurance protection plan that is designed for your specific needs.
The last thing we want to see is for you to lose your savings, home, wages, etc. because you were at fault in an auto accident and became liable for a big settlement. Because if you lose your home or 30% of your wages, that will adversely affect your lifestyle.
Our team of experts are accustomed to Protecting Lifestyles ™ of our clients and not just sell you an insurance policy or promise to save you bundles on your premium. Because if you think about it, is it really any good to save $100 on your premium if it leaves a gap in your insurance coverage that causes you to lose your house?
Accidents happen all of the time in today’s world. And there are lawyers on television boasting about the settlements that they receive for their clients as a result of these accidents. Is it realistic to think that if you cause serious injury to one of their clients that they will only sue you for $30,000 because that is the limits that you have on your auto insurance policy? We don’t think that will happen. IF they sue you for $500,000 and win, where will the difference come from? Do you have $470,000 in the bank to write them a check? If so, great for you. If not, then they will come after your personal assets, such as your home, savings, autos, collectibles, and the big one, your income!
That’s right, if you do not have enough assets to cover the settlement, they can, and WILL, file a garnishment against your current and future wages until the settlement is satisfied. Can you afford to lose 30% of your weekly or bi-weekly paycheck? I bet the answer is no. So having adequate liability protection is a must in today’s society.
Then there are other things that can affect your lifestyle. What if you get sick and cannot work to earn a paycheck? This could affect you in a few ways.
First, there will be the medical bills that come due because of the illness. If you haven’t seen a Doctor bill or Hospital bill lately, we can tell you that they can be astronomical. So health insurance is a must in any plan.
Then there is the loss of income from not being able to work. If you cannot work, how will the mortgage or rent be paid? How will you pay for utilities and food? This is where a good Disability Insurance Plan will cone in handy.
So what our team will do at Huff Insurance, is design a complete protection plan designed to protect your lifestyle. The plan should be a comprehensive plan that offers coverage for all of your liability exposure and can include the following types of insurance policies:
These insurance policies are a must in any plan:
- Auto Insurance
- Home Insurance (or Renters Insurance)
- Umbrella Insurance
- Life Insurance
- Disability Insurance
And the Following will be needed if you have the assets associated with the policies:
- Motorcycle Insurance
- Boat Insurance
- RV Insurance
- ATV Insurance (Including on Golf Carts)
- Landlord Insurance (for rental properties owned)
- Flood Insurance
- Business Insurance
What we will do at Huff Insurance is get to know you and your lifestyle. After all, if we are Protecting Lifestyles ™, we have to get to know you right?
Once we know and understand what is important to you, we can customize a plan to fit your needs. We will make sure that you are comfortable with the plan. It is not our goal to “sell” you anything. It is our goal to protect what is most important to you.
Huff Insurance is a full service Trusted Choice® Insurance Agency. We have been dedicated to Protecting Lifestyles ™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance & Health Insurance products. Call us TODAY at 410-647-1111 to start protecting your lifestyle!