There are many options for insuring your family’s vehicles. HM works with numerous carriers to identify the best options for you based on your needs. Contact one of our insurance specialists to discover the benefits of working with a broker who works for you.
Multi-Car Discount – is available when two or more cars are insured
Defensive Driver Discount – Drivers may qualify for a discount if they have completed a defensive driving course recognized by the Department of Motor Vehicles
Agreed value – if a covered total loss occurs, you’ll receive that agreed-upon amount, regardless of if the value of your car has depreciated
High liability limits – liability limits of up to $1 million in coverage for bodily injury and $1 million for property damage are available. Higher liability limits are available for uninsured/underinsured motorist coverage as well
New car replacement – if a new vehicle is totaled within three years of its purchase, you can opt to receive the agreed value; replace it with a vehicle of the same year, make, and model
Rental car reimbursement – choose per day limits or no per day limit up to $12,500 maximum if you want to rent a comparable vehicle to the one you currently own
Towing and labor offer – enhanced limits available
World Wide liability – available
Each insurance carrier we represent offers a variance of coverage and eligibility requirements may apply to these coverages.