Newman Crane & Associates Insurance Auto/Home/Umbrella Insurance for Your Personal Protection
Get the expertise and personal service you deserve when looking to insure your vehicles and home with Newman Crane & Associates. We are committed to providing you with the answers and solutions you need when you need them. In addition, our specialty is in making sure that our clients are protected against unforeseen losses, accidents and injuries. As an independent insurance agency, we have access to dozens of companies in order to help you find the most appropriate coverages at the best possible rates.
Under the Hood of Auto Insurance
Depending upon your needs, we can design your policy to include:
- Liability Coverage—Protects you from loss in the case of property damage and injuries that you may cause to others while operating your vehicle.
- Medical Payments Coverage—Covers the medical expenses of the driver and occupants of the insured vehicle.
- Comprehensive Coverage—Covers your vehicle from damage caused by situations other than a vehicle collision, such as fire and theft.
- Collision Coverage—Protects you from loss should another vehicle collide with yours.
Specialized Classic Car Insurance
We can also provide you with specialty coverage for antique automobiles, classic cars, high-performance cars, and other types of special vehicles. We understand the passion and detail classic car lovers and collectors put into their prized possessions, and how important it is to protect what they’ve worked so hard to obtain. We also know the ins and outs of what is involved in insuring this specialty niche, the potential pitfalls, and best of all, we have access to carriers offering the most affordable and best protection plans for your classic car.
We’ll discuss with you features such as agreed value coverage, a zero deductible option, a high-value vehicle program, coverage for vehicles being restored, towing and labor for collectors, and so much more.
It is our business to provide you with the highest-quality and most comprehensive coverage for your home in Central Florida. In order to best serve you, we consider a number of factors before making a recommendation:
- Replacement Value of Your Home: We can add replacement cost coverage to your policy to ensure that your home is rebuilt to the same standards used in its original construction at today’s prices. The same quality of materials will be used, and your house will look as close as possible to what it was before the loss.
- Amount of Personal Property Coverage: If you wish, we can add replacement cost coverage on your personal property, which will replace your items due to an insured loss — with no deduction for depreciation that may have occurred. We strongly recommend that your personal property coverage be designed to incorporate all risks, and include valuable possessions such as jewelry, collectibles, or art in a separate list.
- Personal Liability: Your Newman Crane agent will assist you in determining the appropriate amount of personal liability coverage that should be included in your policy. This amount may vary according to the value of any assets you may own.
- Special Coverage: Many homeowners have high-risk assets such as fences, pools, and outbuildings, which are minimally covered through a standard Homeowners policy. We will advise you about making the most of your policy and ensuring that you’re adequately protected.
Personal Umbrella Insurance
Umbrella insurance is designed to protect you from a wide variety of risks, moving beyond the normal liability limits of standard Home or Auto insurance policies. This type of policy covers you for an increased amount against unpredictable risks.
Here’s what we mean: If someone has an accident on your property that results in a lawsuit, your liability may exceed the limits of your Homeowners policy. Without an Umbrella plan, any excess damages will come out of your pocket. The same situation may result if an accident on the road leads to a lawsuit for an amount exceeding the limits on your Auto insurance policy.
Individually tailored liability limits are vital and depend on each person’s assets, needs, and requirements to protect their lifestyle. Our staff will see that your custom Personal Umbrella plan extends your limits only as much as you actually need.