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Insurance sits quietly waiting for a disaster to strike, therefore it is important to carefully consider and purchase what best meets YOUR specific needs and budget. Once a disaster strikes it is too late to find out that you did not understand the restrictions or limits in your policy. Call your Town and Country Insurance Agent today. We want to hear from you.
Auto Insurance
- Blends comprehensive, collision, medical, liability and uninsured motorist coverage at varying limit amounts.
- Liability pays for damage you cause to others. More assets=more coverage you should consider.
- A Personal Umbrella can provide additional liability protection for the wealthy.
- Collision covers damage to your car. Limits vary according to the value of your vehicle.
- Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision.
- If you use your car in your business or regularly take a carload of kids to soccer practice then additional limits should be considered.
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Home Owners
- The cost to rebuild your home is its “replacement value”.
- It costs more to rebuild your home than to buy a new one—know the limits of your policy.
- Do you understand Home Replacement Guarantee or Extended Dwelling Coverage?
- Jewelry, earthquakes and/or flood, should be insured in addition to contents coverage (clothing, furniture, appliances etc.)
- Prepare an inventory of personal property items and keep it in a safe place outside your home, such as a safe deposit box.
- Dazed and Confused? Let us help!!
You should receive a new Policy Declarations page annually showing limits of coverage and any optional coverages. Claim time is no time to find out your policy was not reviewed and limits updated to adequately cover your loss. Contact Town and Country Insurance to insure your policy is properly updated.
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Business Owners
- How many employees do you have?
- Are you required to offer Workers’ Compensation?
- Do you want to offer an Employee’s Benefits Package?
- Do your own your building or do you lease?
- What about the contents of your building
- Do you have delivery vehicles?
- Do you understand Performance Bonds?
- What if your business is interrupted for an extended period of time—generating no income?
Life insurance on all business owners (Buy out) can pay off incurred business debt and keep unwanted heirs out. Town and Country’s Insurance Agents have the experience and professionalism to insure your business is protected from these types of risks.
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Life
- Life insurance fulfills YOUR promise to protect your family in the event of your death
- The amount you need depends on your family circumstances
- Do you own a small business?
- Do you own your home?
- Are you planning for retirement?
- Funeral Planning and Estate Taxes
- Careful planning is essential to your family’s future wellbeing.
Contact Town and Country Insurance today. We look forward to working for you and your family.
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Long Term Care
- Medicare does not pay for Long Term Care (less than 2%--and very specific rules apply)
- Medicaid will not pay until you “spend down” assets
- Strict rules and penalties apply for those that “impoverish” themselves.
- This is not only nursing home insurance
- Keeps you in your home for as long as possible
- Helps you retain/maintain your dignity!
- Your family simply monitors/manages your care they do not provide your care
- Saves your family from financial ruin by not depleting income generating assets
The good news is we are living longer—it is also the bad news—we age and our body simply wears out. Do not leave your Long Term Care Strategy to Luck. Begin planning by contacting Town and Country Insurance of Arkansas.
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NOTE: The comments provided throughout this site are intended to provide general educational information. We do not offer legal advice or attempt through this medium to provide a comprehensive, detailed look at all the issues surrounding any one topic.
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Contact Us: 870.932.7448 | Toll-Free: 800.382.3219 | Fax: 870.932.7415