Many homeowners only think about home insurance when buying a home, because most mortgage companies require borrowers to have insurance coverage. However, it's a good idea to consider more than your mortgage requirements when shopping for homeowners insurance.

Home insurance helps protect one of the biggest financial investments you'll make – your home. Taking the time to gather quotes and carefully compare policies can help you save money while getting the best protection for your home. Working with PMC Advantage makes the whole process easier than ever.

Typical homeowners insurance packages can include:

• Dwelling coverage, which protects the physical structure of the home
• Coverage for personal property, including furniture, appliances, and clothing
• Additional living expenses, in the event of a covered loss or natural disaster
• Personal liability insurance, in case a third party claims you caused damages to their property or wellbeing

In addition to standard home insurance coverage, PMC Advantage can help you create a complete home insurance package with specialty insurance. We work with trusted insurance carrier partners to create fully adaptable policies that can be customized with further endorsements to enhance your homeowners policy, which could include:

• Valuable Articles/Floater policies to protect expensive items like jewelry, artwork, guns, and musical instruments
• Flood policies
• Earthquake policies
• Umbrella policies for additional liability coverage

Auto insurance can protect you from loss after car accidents, such as a collision with another vehicle. In most states, drivers must carry at least the state minimum of liability coverage to help protect other drivers on the road from any accidents you might cause. However, many driver choose to expand their coverage over the state minimum to create well-rounded protection from accidents like collisions with animals or even fallen trees.

At PMC Advantage, we work with you to find the right car insurance coverage for your vehicles, whether you're insuring a brand-new car or a trusty older vehicle. Coverage options from our partner carriers may include:

• Bodily Injury Liability – covers injuries to others caused by the policyholder while operating an automobile
• Medical or Personal Injury Protection - covers medical treatment of the driver and passengers of the policyholder’s auto in the event of an accident
• Property Damage Liability - covers damages to someone else’s property caused by the policyholder while operating an automobile
• Collision - covers damages to the policyholder’s auto that result from a collision with another vehicle or object
• Comprehensive - covers damages to the policyholder’s auto resulting from incidents other than collision
• Uninsured Motorist – covers medical treatment of the policyholder’s injuries in the event of a collision with an uninsured driver

We shop a variety of car insurance carriers to help you find car insurance that fits your needs and budget. In addition, many car insurance companies offer discounts to help make your auto insurance coverage more affordable, such as:

• Accident prevention course completion
• Driving vehicles with safety features like anti-lock brakes, anti-theft devices, or lane-departure warnings
• Good driver discounts if you haven't had a claim or accident
• Multi-car
• Multi-policy, often called bundling

Contact the PMC Advantage team today to learn more about available car insurance discounts and get a quote for coverage today.

Do you own a second home, such as a rental property or vacation home? You'll likely need a special type of property insurance called "dwelling fire" insurance, sometimes called landlord insurance. This coverage protects the physical structure of your property from risks such as fire, theft, and some weather damage.

Motorcycle insurance provides similar coverage for motorcycles that auto insurance provides for cars. Our team is ready to help you build specialized, comprehensive motorcycle coverage at a competitive rate.

Whether you enjoy hitting the open road for a weekend or longer trips with your RV, travel trailer, or motorhome, you'll likely want to protect it with recreational vehicle insurance. RV insurance coverage might include property, liability, and medical payments for covered losses while owning, maintaining, and using your RV.

Owning a boat can turn hot summer days into great memories, so it's important to protect your investment with watercraft or boat insurance coverage. Watercraft insurance packages can be customized to help you protect your boat with property, liability, and medical payments coverage for covered losses while owning, using, and maintaining your boat or other watercraft.

Despite the name, inland marine coverage isn't related to boat insurance. Instead, inland marine coverage helps protect your property that is mobile or may be of higher value than your standard property insurance will cover. Items included in this coverage are typically listed specifically in the policy with a specified coverage amount for each.

Umbrella insurance as extra coverage that helps protect you if you have a liability loss that's more than your standard coverage amount. For example, let's say someone is injured at your home and the total cost of the injury is $500,000, but your homeowners insurance liability coverage is only $300,000. An umbrella policy may help cover the remaining $200,000 of liability.

Additionally, umbrella policies may also cover losses that are excluded by the underlying (or standard) policy.

Standard homeowners and renters insurance policies generally do not cover losses from flooding. You'll need a separate flood insurance policy to protect your property that's at risk of flooding. In certain high-risk areas, most mortgage lenders and government-backed loans require flood insurance to protect the property in case of flooding.

Life insurance can help you protect those who rely on you if you unexpectedly pass away. Whether you want to provide for the daily needs of loved ones, plan for your descendants' education, or help cover large liabilities like a mortgage after you're gone, life insurance is an important financial tool.

Meanwhile, disability insurance helps you cover daily living expenses when you're out of work due to a disability or illness. Disability coverage generally pays you a portion of your regular income until you can return to work.

PMC Advantage is here to help you navigate the often-confusing world of life and disability insurance so you can enjoy peace of mind if you pass away or are out of work due to covered illness or disability. Learn more about life and disability insurance options today.

Finding health insurance that's affordable and provides enough coverage might feel impossible. At PMC Advantage, we rely on our extensive experience and network of health insurance carriers to help you get the coverage you need, from retirees joining Medicare to self-employed business owners and those who need coverage between jobs.

Don't wait for a medical emergency to look for health insurance coverage. Let the PMC Advantage team help you discover your health insurance options today.