Reinard Insurance Agency, Inc.

Services Reinard Insurance Agency, Inc. Offers

Auto Insurance  
Reinard Insurance offers coverage for all types of autos, personal or commercial, motorcycles or specialty cars (antiques, classics, exotics, customized and street rods). The types of coverage we offer are:
Liability coverage in case you damage other people's property or injure others.
Collision & Comprehensive coverage in case your car is damaged or stolen;
Personal Injury Protection Insurance coverage in case someone is hurt in your car.
Uninsured & Underinsured Motorists coverages in case you're hit by someone who doesn't have insurance or who doesn't have enough insurance to cover the damage they cause you (respectively).
Towing & Labor.
Rental Reimbursement.

Specialty Auto Insurance  
Reinard Insurance has several companies that write specialty autos including antique, classic, exotic, street rods and other customization.

Home Insurance  
Reinard Insurance offers a range of property insurance products and services. These include:
Homeowners coverage for your home, personal belongings, outbuilding, additional living expenses should you have a loss and need to live away from home temporarily, and personal liability coverage. We will also include "Replacement Cost" coverage for your home and your personal property, if your home qualifies.
Renters, coverage designed for people leasing or renting their home.
Condominium, coverage for condo owners.
Landlords Package, tailored for a non-owner occupied, 1-4 family unit rental property.
Optional coverages that are available, but not included, are:
Personal Umbrella Liability, a liability policy that picks up where the basic personal liability policy from your homeowners' policy ends. The coverage provides $1 million above your other personal policies, i.e. home, auto, rentals, boat, motorcycles, etc. Higher limits are available. Umbrellas offer a great amount of coverage at a very reasonable price.
Flood Insurance is not automatically included on your policy. This coverage is written through the Federal Flood program and has its own unique coverages and limitations. We provide this coverage for your home, and your personal belongings against direct loss caused by flooding.
Earthquake Coverage, coverage in the event an earthquake causes loss or damage to your home and/or personal belongings.

Business Insurance
Reinard Insurance has a wide range of products and services designed to protect many aspects of a business risk including:
General Liability
Garage Liability
Business Property Protection
Business Interruption Coverage
Crime Coverage
Equipment Coverage
Commercial Automobile Insurance
Umbrella Excess Liability Coverage
Bonds
Directors and Officers Liability
Employment Related Practices

Life Insurance
It's never too early to think about life insurance. Regardless of age, life insurance can help provide monetary death benefits when you die to those you designate as beneficiaries, such as your spouse, children or siblings. The main types of coverage we offer are:
Level Term Insurance provides a constant death benefit amount of insurance for a specified period of time.
Decreasing Term Insurance provides a face amount which decreases over the term of coverage. This may be used, for example, to cover the decreasing amount of a home mortgage.
Whole Life Insurance provides permanent life insurance protection through age 100. A permanent or whole life policy accumulates cash value.

Long-Term Care Insurance  
Nearly fifty percent of people who are 65 years old will need some form of long-term care during their lifetimes. This care will come in many forms, for instance:
Assisted Living Facilities
Adult Day Care
Congregate Care Facilities
Home Health Care
Nursing Homes
Good care doesn't come cheaply. Nursing home care alone is averaging almost $50,000 a year in this nation. A good long-term care policy will assure you or your parents of the ability to choose where care is received.