Personal Insurance

Your needs are covered by Moscker Insurance Agency's automobile protection, boat insurance, homeowner's protection, and life insurance, available individually or in discounted packages.

Automobile Protection

The road is an unpredictable place and drivers must be protected in case of accidents. The proper level of personal coverage is the most important aspect of automobile insurance when protecting against small or large instances of liability. We can come up with the most appropriate plan for you with a reputable insurer and take the worry out of driving.

Compulsory Automobile Policy Coverage Bodily Injury to Others Personal Injury Protection Bodily Injury Caused by Uninsured Auto Damage to Someone Else's Property Optional Coverage Optional Bodily Injury to Others Medical Payments Collision Comprehensive Substitute Transportation Towing and Labor Bodily Injury Caused by an Underinsured Auto

Boat Insurance

Unfortunately homeowner's insurance offers only limited property and liability protection to boat owners. The basic homeowner's policy only provides approximately $1,000 of physical damage protection for small vessels. Even with optional add-on coverage to a homeowner's policy offered by some companies, boat owners can only receive up to $7,500 for covered losses in most states and the policy settles on an actual cash value basis only. If you have made the investment to own and operate a boat, the choice is yours to pick the full range of protection offered by boat insurance.

Vessels from 16 feet to 25 feet 11 inches in overall length are qualified for boat insurance. Boats eligible for this insurance must be valued at $3,000 or higher and include powered boats and sailboats with or without power. Non-powered boats such as canoes, rowboats, and pedal boats are also eligible but the coverage is restricted to inland water use.

Homeowner's Protection

Home is where the heart is as well as where you have probably invested most of your hard earned money so it makes sense to consider the most comprehensive homeowner's insurance plan.

Basic Protection Personal Belongings (furniture, clothing, appliances, etc.) Additional Living Expenses Personal Legal Liability Other Buildings or Structures on the Property Additional Security Home Replacement Guarantee Replacement Cost on Contents Additional Coverage

Life Insurance

It is safe to say that no one wants to think about what would happen if they were no longer living. Life insurance is a significant decision to insure family and responsibilities are properly taken care of, and that loved ones are not overwhelmed with expenses and debt. The death benefit is income tax-free and besides covering costs it can insure that a family business is passed on as you intended. Ask us about life insurance plans that actually benefit you during your lifetime.