Personal Insurance
Protect what's most important
Life is full of moments. Some are welcomed and anticipated, but some are also unexpected. With Mints Insurance, we make these unforeseen moments a little less overwhelming so that you can focus on what is important; your family, your property, and yourself.
Auto
In order to properly protect you and your loved ones from the ever-present dangers on the road, it is imperative to have the right auto insurance coverage. Car insurance serves to protect the insured from liability resulting from a mistake or accident that causes injury to another person and/or their property. Auto insurance can also cover damage to the vehicle through via comprehensive, collision, theft and other perils.
Collision coverage pays for the damages to the insured’s car in the case of an accident or collision, while comprehensive (also know as “other than collision”) covers losses resulting from theft, fire, flood, hail damage or vandalism damage. Medical payments insurance can also be included in individual automobile policies, which enables the insured to have medical and funeral expenses covered after a car accident.
At Mints, we understand the vast differences in coverage throughout the varying auto insurance policies, including the types of coverage that will be appropriate and affordable for each family or individual. Allow us to complete the extensive research for you, relying on our years of expertise and in-depth knowledge.
Homeowner
Homeowner’s insurance is one of the most sophisticated, complex and emotional types of insurance out there. Not only is a home one of the largest investments a person can ever make, but it is also where your family lives and plays. Mints Insurance Agency understands the importance of protecting your home as comprehensively as possible, however most homeowners view homeowner’s insurance as a one size fits all policy.
In actuality, there is a great variety and differences in the scope and the level of insurance coverage from one homeowners product to another. The majority of homeowners insurance policies cover theft, fire and liability as well as the physical structure of the home and your personal property within that structure. Some insurance policies for the home can also cover personal property anywhere in the world and may include personal liability coverage, which protects the insured from allegations of property damage or bodily injury due to negligence. Feeling overwhelmed? Mints can help. Our agents have first hand experience as well as a wealth of knowledge to help them identify a clients’ exact homeowners requirements in a manner that is affordable and comprehensive.
Flood
Just a few inches of water from a flood can cause tens of thousands of dollars in damage. From 2008 to 2012, the average residential flood claim amounted to more than $38,000. Flood insurance is the best way to protect yourself from devastating financial loss.
Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers and the property’s flood risk.
All policy forms provide coverage for buildings and contents. However, you might want to discuss insuring personal property with your agent, since contents coverage is optional. Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. That means now is the best time to buy flood insurance.
Recreational Items
Whether a client enjoys high paced activity on water or land, Mints Insurance has connections to carriers that will cover all of your favorite toys. From boats and jet skis to motorcycles and ATVs, our insurance agents can identify the type of liability and protection coverage needed in order to ensure that your toy and its users are always taken care of in case of emergency.
Weddings/Special Events
Aside from being a significant investment financially, there are other aspects a couple has to deal with when planning a wedding, such as unsolicited advice and opinions, as well as strong emotions, and trying to actually enjoy the process at the same time. With all of the pieces that need to come together, it can be an exhausting experience.
Thinking about all things that could go wrong is the last thing a couple wants to do while planning. However, simply having the ability to gain a little extra “peace of mind” for one, flat, affordable, rate may make thinking about the negative possibilities worth it.
Life
When it comes to protecting your family, life insurance is an essential tool. Not only does it take the burden off of the family when you pass away, it provides you piece of mind that your family will not have to endure financial hardship when you are not there for them. Based on these benefits, it is important to select a policy that has the right coverage for you. There are many options and different types of policies available, ensuring that you and your family will get the very best policy to fit your needs.
Disability
Disability Insurance protects one of the most important assets in your portfolio – your ability to earn money. Many people do not consider the possibility that they could encounter a debilitating injury or illness during their working years. Should this happen to you, disability insurance is designed to replace a portion of your gross income on a tax-free basis. It gives you peace of mind, knowing that you can prevent financial hardship during this time of need.