- Auto InsuranceAuto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
- Motorcycle Insurance
- ATV InsuranceWe are your Best Auto, Motorcycle, Boat, Scooter, ATV, & Side By Side Insurance Provider! We always shop for the best coverage that your circumstances allow. Pegram insurance specializes in giving you custom tailored policies to fit your individual needs.
- Renters InsuranceThis provides coverage for the theft of personal items in your car. However, if you have homeowners or renters insurance, you may be covered for items stolen from the car, minus your deductible. You need to have receipts or other proof of ownership. This type of insurance usually costs about $1.25 per day. Some rental car companies combine personal accident and personal effects coverage together as one type of insurance, while others sell it individually.
- Home InsuranceHomeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.
- Life InsuranceBy offering world class protection for your Auto, Home, Health, Business, and Life Insurance, we make sure that you're covered today as well as in the future so that you can focus on what is important to you and your family. At Pegram Insurance our #1 job is to assist you in identifying your needs and problems, while putting together a customized plan that's simple and easy to understand.
- Health InsuranceThis provides coverage to you and your passengers for medical/ambulance bills. This type of insurance, usually costs about $3 per day, but may be unnecessary if you are covered by health insurance or have adequate medical coverage under your auto policy.
- Disability InsuranceA BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'll need separate policies for these coverages.
- Business InsuranceInsurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.
- Workers Compensation InsuranceBodily Injury by Accident Limit: The most an insurer will pay under Part Two of a Workers' Compensation Policy for claims arising out of any one accident, regardless of how many employee claims arise out of the accident
- Professional Liability InsuranceProfessionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients.
- Liability InsuranceLiability limits generally start at about $100,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.
- Flood InsuranceNational Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating communities National Flood Insurance Program: A federally funded program established to make flood insurance available to properties located in participating communities