Drivers have different needs
for auto insurance. Some simply want basic
coverage. In Mississippi, that’s 25K per person
Bodily injury, 50k per accident, and 25k in
Property. It looks like this: 25/50/25.
Those that have more "at risk"
need more coverage.
Example 100/300/100. There are not many 100k
dollar cars out there but this would also cover
if you hit someone’s house. Uninsured motorists
fall into this category also. This is not
mandatory, but nice to have.
covers damage to your car that is your fault.
Example you run off the road and hit a tree.
covers things such as, but not limited to: deer,
hail, theft, vandalism, fire and glass.
Then you have what I call "bells and whistles,"
like break-down coverage, road side assistance,
rental car (in case your car is damaged they provide
Whatever your needs may
be, it begins with us talking together and figuring
out "together" what your coverage needs to be.
Contact me today!
A common mistake is
thinking "I only paid 100K for my home, so I only
need 100K in insurance". This can be a very costly
oversight. For adequate coverage, you must consider
the "replacement value" of the home, which includes
the increase in your home's value since you bought
it - plus, the inflated current price of
The contents of your
home are another consideration. Just look around
and think of the cost if you had to buy all of your
“stuff” again. Remember that home insurance is not
always a rubber stamp purchase and cheaper is not
If you are under-insured
and have a loss, you might not be able to recover.
In that case, your loss would be the home, the
contents, PLUS all the premiums you paid out for
nothing! Your Homeowners' Policy should protect you
from "losing everything and starting over from
There are many other
mistakes made by agents that sell a "standard
policy" to a client. It's important to have a
professional that understands these concepts to
cover you - specifically. Trust the Bruce Agency to
guide you through the home insurance selection
Here at The Bruce
Agency we strive to offer a varied and wide range of
counsel to protect and grow your business. We offer
a full range of Auto Insurance, Home Insurance, Life
Insurance, Health Insurance, Commercial Insurance,
and Long-Term Care Insurance. Relationships start
with the first introduction. It costs nothing to
introduce yourself and could save you millions.
Contact us today.