Pittston's Personal Insurance Experts
How much insurance do you need? That's a good question and one which J.R. Aliciene Agency helps you discover. Our goal is always making sure you're properly insured – not over-insured, not underinsured. We do this through our Insurance Needs Assessment, a useful tool to develop the best insurance strategy for you. It also helps identify how to best protect you and your family from the financial consequences of unforeseen events.
Put our expertise and experience to work for you for the peace-of-mind that comes from knowing you have the right protection for all areas of your life.
Auto Insurance
Finding the right automobile for your needs is important because of the impact it likely has on your everyday life. Equally important is finding the right automobile insurance. J.R. Aliciene Agency offers coverage that goes beyond physical coverage for your car. We also provide Property Damage Liability if an accident causes damage to another's property as well as helping protect you against the financial hazards you can face if you are in an accident caused by someone with either no automobile insurance or too little insurance.
Available coverages include:- Bodily Injury Liability
- Property Damage Liability
- Uninsured and/or Underinsured Motorist
- Collision
- Towing & Labor
- Rental Reimbursement
Homeowners Insurance
Purchasing homeowners insurance is not only critical for protecting your home and personal property against any potential liability, if you have a mortgage your lender will require it. J.R. Aliciene Agency walks you through every step of the process to make sure you have the coverage you need.
What's Covered by Homeowners Insurance?
A homeowners insurance policy is a package of coverages, including:- Dwelling: Covers damages to your house and any attached structures, including fixtures such as plumbing, electrical and HVAC systems.
- Other Structures: Pays for damage to unattached structures, including a detached garage, tool shed, fence, etc.
- Personal Property: Covers personal possessions such as appliances, furniture, electronics, clothes, etc.
- Loss of Use: Reimburses for additional living expenses while you are unable to live in your home.
- Personal Liability: Pays claims if you are found liable for injuries or damages to another party.
- Medical Payments: Pays the medical bills incurred by people who are hurt on your property or by your pets.
Remember, these coverages pertain only to losses caused by a peril covered by your policy. For instance, if your policy doesn't cover earthquake damage, then losses will not be reimbursed.
Renters Insurance
Renters sometimes overlook the need for insurance because they believe they may not have a significant amount of personal possessions, or because the property is already insured by the owner.
While it is true that a rental property is insured by the owner, the destruction or loss of your personal belongings is not. J.R. Aliciene Agency can find the right Renters Insurance, which should cover:
- Your possessions against losses arising from fire, smoke, lightning, theft, vandalism, explosion, wind storm, and water damage (excluding floods)
- Damages and costs in the event that visitors are injured in your apartment or elsewhere by you, your pet, or a family member living with you. This includes any legal defense expenses if you are taken to court.
- Additional living expenses should you be unable to live in your apartment due to a covered peril, such as fire, though the policy may set limits on how much you will be reimbursed
Life Insurance
Life Insurance is one of the most important investments you can make to secure the financial future of your loved ones. At J.R. Aliciene Agency we take the time to help you determine the best coverage for your individual life insurance needs.
When considering the level of life insurance coverage you need be sure to keep in mind the financial obligations your loved ones will face, such as mortgage payments, estate taxes, debts, education expenses, etc. The right life insurance policy helps alleviate those financial responsibilities. In addition, changes in your life mean your financial and insurance needs will probably change as well. That's why it's good to periodically review your life insurance options.
J.R. Aliciene Agency offers various Life Insurance coverages, including:- Individual Life Insurance – protection and peace-of-mind your family deserves
- Long-Term Care Insurance - secure your family's financial future while receiving extended medical attention
- Mortgage Protection Insurance – this coverage can help pay off your existing mortgage
- Disability Insurance - if you become disabled, you can ensure you and your family have enough coverage
- Second-To-Die Policy – this policy can be used to pay large estate taxes, protecting your wealth and keep personal assets in the family
- Plus other options
Ask us about the differences between Term Life, Whole Life/Permanent Life, Universal Life and Variable Life policies.
