The Van Horn Insurance Agency

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

"My mission in life is not merely to survive, but to thrive." – Maya Angelou

Business Owners Package policy, commonly called a "BOP", contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements.

Most standard homeowners, mobile homeowners, condominium, and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately.

Confused about your property & casualty insurance options? Contact us today so we can review your situation!

"What lies behind you and what lies in front of you, pales in comparison to what lies inside of you." — Ralph Waldo Emerson

Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment.

Fast Fact: Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.

If you own a rental or investment property, you should make sure that you carry adequate rental property insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.

A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The harder the conflict, the more glorious the triumph. Thomas Paine

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas. You are responsible for the interior of your unit. Typically you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets and fixtures that your association's insurance probably will not cover.

The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage.

Success is the sum of small efforts - repeated day in and day out. Robert Collier

Bodily injury liability coverage (with Auto Insurance) pays damages for injury or death resulting from a covered accident for which you are at fault. May also provide you with funds for a legal defense.

With auto insurance the “actual cash value” is the value of a car considering the age, mileage, make, model, and overall condition of the vehicle.

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

Fast Fact: Classic cars are usually considered antique vehicles (15-20 years old or older).

Quick Tip: If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.

Business Owners Package policy, commonly called a "BOP", contains many of the insurance coverages needed by most small businesses.

What is am auto insurance deductible?
A deductible is a payment you have to make before the insurer pays. For example, a $750 deductible means that you pay the first $750 of each claim out of your pocket.

Auto Insurance 101: Is a parking ticket considered a motor vehicle violation?
Parking tickets are not considered motor vehicle violations. However, failure to pay parking tickets can result in a suspension of driving privileges, which can affect eligibility.

Champions keep playing until they get it right. – Billie Jean King

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection.

The only way to discover the limits of the possible is to go beyond them into the impossible. Arthur C. Clarke

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately.