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Personal & Family Insurance
When you have something to lose, you will prefer to protect it. Especially, if you know that you could not afford to pay for a loss. That’s why insurance exists. There are 6 major categories personal insurance:
Auto, Homeowner, Yachts & Boats, Health, Life, Travel Insurance.
When you are shopping for auto insurance, you need to understand the common types of coverage available on a car insurance policy.
The common options are:
- Auto liability coverage,
- Comprehensive coverage,
- Uninsured and underinsured motorist coverage,
- Collision coverage,
- Medical payments coverage and personal injury protection.
Depending on your needs and budget, you can choose the right coverage in your situation.
Other types of Auto insurance coverage which you can also add to your policy:
- Towing and labor cost coverage
- Ride-sharing coverage
- Sound system coverage
- Rental reimbursement coverage
- Loan or Lease Gap coverage and more.
Your home is a major investment and passion, specially if this is your first home. Whether you are going to buy, the perfect starter house, a custom-built or something in between, you want to protect the life you will be made there. We will help you in this purpose.
US Insurance Services policies can provide coverage for:
- Damage to your home’s physical structure (Dwelling coverage)
- Damage to other structures like a garage or shed (Other Structures coverage)
- Your personal belongings – whether in your home or elsewhere (Personal Property coverage)
- Additional living expenses if necessary, in the event of a covered loss (Loss of Use coverage)
- Your personal liability in the event someone is injured, or their property is damaged by you or a family member (Liability coverage)
- Extra coverage for valuable items
Yachts & Boats
Afford a yacht or a boat means afford recreation and adventure to their owners. But it means also risks, which come with; because accidents happen even with the most careful and experienced owners.
By teaming up with top-rated insurance companies, US Insurance Services can proudly offer quality insurance products for recreational or commercial boats and yachts of all types and sizes.
- Hull limits of any value
- Worldwide navigation available for luxury yachts
- Liability-only coverage available
- 6-pac and 12-pac charters
- Corporate ownership
- Agreed value and ACV policies available
- Liability limits up to $1 million
- Affordable rates and quick turnaround on quotes and policies
We are licensed in Illinois and Florida.
When it is time to find your health Insurance, we’re welcome will guide you step-by-step in this not easy process. We offer the following options:
Individual Health Insurance
This medical coverage is designed for people who don’t have individual health insurance through their employer or other group.
Group Health Insurance
This type of medical insurance is designed to cover members of a group that tends to be employees of a company or an organization. The primary advantage of a group medical insurance is lower premium cost. More people on an insurance policy means lower risks and the insurance group cost goes down.
Shorth Term Health insurance
Short term or temporary medical insurance can be provided as temporary solution to help fill gaps in coverage:
- Between jobs
- Waiting for other coverage to begin
- Waiting for be eligible for Medicare coverage
- Without health insurance, outside of open enrollment
Medicare Supplemental Insurance (Medigap)
If you’re a senior citizen participating in Medicare, you should consider a Medicare supplement plan. It provides extra protection to help with many of the expenses not covered by Medicare.
Supplemental Health Products
This supplement to your primary medical insurance. It provides additional protection in unpredictable world. Under this category we offer dental, accident, critical illness coverage.
Choosing the right, low-cost health coverage has never been easier.
Let us help you find the insurance plan that's right for you!
Who needs life insurance? It is the best option for everyone who takes care of own future or the future of loved ones. A life insurance is a contract between you and an insurance company. You provide premiums payments; the insurance company provides a co-called death benefit, or a lump-sum payment, which arise upon the insured’s death.
The huge advantage of life insurance is that death benefits from all type of life insurance are generally tax-free (1).
Typically, life insurance choice is based on the needs and goals of the owner. There are many varieties of life insurance. The most common types are:
Term Life Insurance
This type of insurance is designed to provide protection for a specific period of time. Usually, it is such 10 or 20 years. If an insured pass away during the period, the beneficiary will receive the death benefits. If not, at the end of the term the policy expired. The policy also might be continued, but usually, the insured faced at a substantially higher premium payment rate. But in generally, term life insurance less expensive than permanent life insurance.
Whole Life Insurance
This type of insurance is designed to provide coverage throughout an insured’s life. This permanent insurance enforces with a requirement of yearly (or monthly) premiums and only expire over non-payment of premium. Typically, a permanent insurance accumulates a cash value that can be accessed for variety of purposes while you are still alive.
Universal Life Insurance
This type of insurance is the most flexible then others. It also accumulates a cash value but doesn’t require exact monthly or yearly premium. However, the cash value of the policy rises by the amount deposited and the interest that money earns.
(1)Estate taxes may apply to insurance proceeds. The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.
Choosing the right life insurance product has never been easier.
Let us help you find the life insurance plan that's right for you!
It is obvious that one of the important parts of planning a trip is buying travel insurance. It makes sense, to protect yourself from expectantly financial loss during the trip or loss the cost of your trip. Here are some circumstances when you never sorry about travel insurance spending:
- You need urgency to cancel your trip
- You miss your connection looking for the right way
- Your flight is canceled
- A hurricane damages your destination
- A terrorist event occurs
- You get sick or injured on your trip
- Your baggage is delayed or lost
- Your passport is lost
- You need an emergency medical evacuation
- Your travel company files bankruptcy
- You need emergency assistance services.
US Insurance Services offer you comprehensive solutions for your business
Running a business is all about risk and faith. Commercial insurance calls the protection of your business from future risks. It’s also a requirement under the law in the US. Commercial insurance is designed to protect you from unforeseen circumstances that can affect your business. There are various types of insurance policies that can protect your properties, income, employees and even you from liability.
Here is the commercial insurance option for your business:
This is employer’s liability insurance and is generally required by law. This type of insurance program that provides wage replacement and medical benefits for injured employees.
Commercial General Liability
This type of insurance is considered as comprehensive business insurance; however, it doesn’t cover all risks of business may face. CGL has different levels of coverage and may include premises coverage, which protects the business from claims that occur at the business’ physical location during regular business operations. It may also include coverage for bodily injury and property damage that is the result of finished products.
This type of insurance is commonly as errors & omissions (E&O insurance). It protects your company against civil lawsuits that professional services you provided caused your client to suffer financial harm due to mistakes on your part. If your company works directly with customers while providing services, you should consider buying professional liability insurance.
Other types of commercial insurance we offer:
- Business owner policy (BOP)
- Commercial property insurance
- Commercial auto insurance
- Commercial umbrella insurance
- And more …
Insurance For Professionals
It takes years, to grow a reputation, but can be ruined in seconds. Make sure your reputation is under protection with insurance coverage from US Insurance Services. We understand the unique risks of your professions and offer tailored products and services for small, medium and large professional service firms as well as for s self-employed professional, or an employee of a company.