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Protect What Matters Most
Whether it's your home, your family, your bike or your boat, see how Allstate can help protect the things that matter most to you in life.
What Is Home Liability Coverage?
When someone visits your home, the possibility of an accidental injury is likely the last thing on your mind. But accidents can happen, and the liability coverage in a homeowners policy may help cover the costs of a guest's related medical bills or other expenses — and help prevent you from paying out of pocket — if you're found legally responsible for covering those costs. Coverage terms and limits will apply, so it's important to understand the specifics of your policy.
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After A Car Accident
Most people don't want to think about getting into an accident, but it's a reality many of us will have to deal with at some point. I know that a car accident can be frightening, but you can help reduce some of the stress by knowing what to do ahead of time. Remember to always keep current proof of insurance in the car, and follow these tips about your personal safety, documenting the accident and beginning the claims process.
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Comparing Renters Insurance Quotes
When comparing renters insurance quotes from different insurers, it's important to take more than price into consideration. Understanding what the policy covers and making sure it fits your needs may help give you the peace of mind that comes from knowing you have certain protections in place while you're living in a rented home or apartment.
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New Parents
When you find out a new baby is on the way, you'll probably dive head-first into decorating the baby's room, researching the perfect stroller and stocking up on diapers. Life insurance is not likely on the top of your list, but maybe it should be. It's understandable that your immediate focus is on what your baby needs in those first few months and years, but making sure you have life insurance may help protect her future needs, too. Here are some important things to consider as you're planning for your growing family's future.
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Is Your Office Rental Covered?
Renting an office for your business makes sense - you have the space you need without the costs or maintenance of owning the building. But relying on the landlord's insurance to cover your business if a fire or break-in should occur is not a savvy decision. The landlord's policy typically covers the building but not your company's equipment or the business if there is an accident in the office. Whether it's making sure your computers would be replaced or recouping potential losses after a disaster, let's talk about insuring your business before you sign that lease.
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Safety Vs. Style
The choice between stylish riding gear and truly protective gear should be easy - whatever makes it more likely you'll walk away from an accident safely. Thankfully there is a lot of gear that is both safe and stylish these days. And while I certainly hope you're never in an accident, choosing your protective wear wisely can make a big different if you are. From helmet guidelines to leather jackets to armor, here are some helpful tips on choosing the right gear for your ride.
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Condo Association Coverage
If you own a condo, you may find that two different insurance policies help protect separate parts of your unit. While you are typically responsible for insuring your personal property such as furniture, clothing and other inside components, the condo association's master insurance policy usually helps protect the building's structure and common areas shared by multiple residents. It's important to understand what your condo association's insurance covers so that you can make arrangements to protect other aspects of your home.
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Insurance Considerations During a Divorce
Home, car and life insurance are among the factors that couples may need to consider when going through a divorce.
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What's Umbrella Insurance?
You have insurance to help protect your home and car, but what happens in situations where your standard insurance coverage is not enough? That's when a personal umbrella insurance policy (PUP) could help. If you're found legally responsible for damages resulting from an accident or if you're sued, a PUP may help prevent you from paying out of pocket for costs that exceed the limits of your homeowners or auto insurance. A PUP from Allstate may help cover attorney costs and lost wages, even if you're out of the country. If you're interested in increasing your protection, I'd be happy to talk to you about umbrella coverage today.
Learn More Referral Rewards: The referred customer must purchase an auto policy with Allstate New Jersey Property and Casualty Insurance Co. Under extremely rare circumstances the actual credit may be less than $75. These circumstances include instances where the premium charged is less than the credit amount. Maximum of three rewards can be banked at a time. Other rules and conditions apply.
Frank Gargin is insurance licensed in the state(s) of New Jersey. If you do not reside in the state(s) of New Jersey, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
Frank Gargin is insurance licensed in the state(s) of New Jersey. If you do not reside in the state(s) of New Jersey, please go to the Find an Agent section on allstate.com to search for another Allstate Agent or Personal Financial Representative.
Subject to terms, conditions & availability.
This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.
Check the background of this firm on FINRA's BrokerCheck website.
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