Giffin-Parker Insurance Brokers

In today’s challenging healthcare marketplace, medical malpractice insurance is a necessity. We can help guide you to better results and a higher set of expectations with our value-added services. We understand your struggle to deliver quality health care and avoid medical malpractice claims.

Does homeowners insurance cover flooding? No. It is not typical that homeowners insurance covers damage from a flood. Though there are other policies that cover additional risks, floods and earthquakes are usually excluded. Typically, homeowner insurance policies cover damage caused by threats such as fire, windstorms, hail, lightning, robbery or property vandalism.

You may have noticed there's a big difference between classic car insurance policies and regular use policies, including cost. Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don't know how to treat your specialty or collector car.

If you live in a rented house or an apartment, renters insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

If you own a rental or investment property, you should make sure that you carry adequate rental property insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

Auto Insurance FAQ’s Q: Can I put anyone on my policy? A: You can include members of your household on your policy, but you must all live at the same address.

A pessimist sees the difficulty in every opportunity; an optimist sees the opportunity in every difficulty. Winston Churchill

Is Home Insurance Required When You Buy a House?

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states. The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

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If we did all the things we are capable of, we would literally astound ourselves. Thomas A. Edison

In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

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At the touch of love everyone becomes a poet. Plato

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

No Man’s Land: Insuring a Vehicle While the Title Is Being Transferred?