Insure the permanent and/or private structure of your home and/or property against damages caused by fire, hurricanes, earthquakes, among other risks.

As part of the mortgage contract – banks require a policy covering the residence’s structure.

You can insure improvements to the structure. JR Risk Management & Associates will always recommend completing a report that assesses the replacement cost for the benefit of the proper subscription to the policy. Avoid falling under the Co-Insurance clause mentioned in your contract.

Content insurance, also known as personal property insurance, is a type of insurance that provides coverage for your belongings in case they are damaged, stolen, or destroyed. This coverage typically extends to items within your home, such as furniture, electronics, clothing, and other personal possessions. Content insurance helps you financially recover from losses due to events like fires, burglaries, or natural disasters. It’s an essential component of a comprehensive home insurance policy, offering peace of mind and protection for your belongings against unexpected events.

An HO-6 policy is a type of home insurance for condominiums.

A typical HO-6 policy covers the structure and improvements of your unit, your belongings, additional living expenses, and liability.

It is essential coverage, especially if the insurance coverage for your condominium is of the Bare Walls type.

In the event of a flood, your National Flood Insurance Program (NFIP) policy covers direct physical losses to your structure and belongings. What does my Flood Policy cover?

Purchasing flood insurance will help protect the things you value. The NFIP offers two types of coverage – building coverage and contents coverage – to protect your home and belongings.

You can contact us, and we will handle the entire necessary process to access flood coverage for your home or business.

REMINDER: NOT COVERED BY ANY POLICY OTHER THAN THAT OF A FLOOD INSURANCE POLICY.

For claims or legal lawsuits involving damages to third parties caused by an accident for which you are legally liable.

Collision: This coverage pays for damages to your insured auto when it collides with another vehicle or object or is hit by one.

Comprehensive: This coverage pays for damages to your insured auto if the loss was caused by something other than a collision, such as theft, fire, vandalism, flood, earthquake, windstorm, or falling objects.

Liability coverage: Pays for property damage and injuries to another person caused by an accident in which you are at fault. Covered damages include bodily injury and property damage. It also provides for legal defense expenses.

Roadside assistance coverage: Designed to assist and pay for expenses incurred from a breakdown or disabled vehicle.

Rental Reimbursement: This coverage covers rental vehicle expenses while your auto is in the repair shop due to covered damage.

Medical Payments: This coverage provides for medical and funeral expenses incurred by you or passengers occupying your insured vehicle after being hurt in an accident.

Direct and accidental losses to your vessel and trailer are covered, providing indemnity liability coverage.

Hull Insurance: Cover any type of watercraft, including fishing boats, ships, tankers, cruise ships, and yachts. Hull insurance usually covers physical damage or the complete destruction of your ship from perils such as collision/accident, weather, fire, sinking/capsizing, barratry, piracy, or jettisoning.

Liability Coverage

Equipment

Trailer

Personal package, a convenient way to bundle your coverages into a single program. You can include these and other coverages! Easy to manage, your payments and claims. 

• Structure
• Content: Protects your furniture, appliances, electronic equipment, fine art, jewelry, and every item with special value. 
• Auto
• Home Assistance: For emergency plumbing, locksmith, electricity, glassware.
• Watercraft/Boat Policy: Typically, for lengths under 24 feet. 
• Personal Liability
• Medical Expense
• Others