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Home Insurance
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More than an investment, your house is where you live and
where you make memories that last a lifetime. With our
carrier’s Homeowners Insurance packages, you can be
confident you have quality protection. We strive to make you
as comfortable with your coverage as you are with your home.
Protect your home and property.
Damage to your home can cause major hassles. If a leaking
roof or broken window isn’t fixed promptly, even more costly
damage could occur. And while you can’t predict accidents or
mother nature, you can be prepared. Our carrier’s offer a
number of coverage options to protect your home and personal
property. Whether it’s damage caused by weather, faulty
appliances, vandals or other accidents, we’ll take care of
you, your house and your belongings quickly and effectively.
Our Coverage can protect against:
• Fire & Lightning
• Windstorm & Hail
• Explosion
• Riot & Civil Commotion
• Aircraft
• Vehicles
• Smoke Damage
• Vandalism & Malicious Mischief
• Theft on or off Premises
• Falling Objects
• Weight of Ice or Snow
• Accidental Overflow of Water from Plumbing
• Accidental Electrical Damage to Appliances
• Damage by Freezing
Our Coverage can include
• Personal Liability coverage
• Protection against claims you’re legally obligated to pay
• Paying the cost of defending a claim against you
• Damage to property of others
• Medical Expenses of others
• Accidental Death Benefits
We’re also committed to making sure you understand your
policy. We explain your coverage completely, and simply. So
you know exactly what you’re getting and what it protects.
It’s another way we can help make your life less
complicated. |
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Auto Insurance
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Do you have a perfect driving record or do you have some
violations and accidents on your record?
Whatever your situation we have insurance plans that may work
perfectly for you.
We offer insurance protection for your car. Backed by a claims
service that you can depend on.
If it’s a total loss or a “fender bender” we understand how
stressful the situation can be. We want you to be prepared in
any event.
Our protection plans cover damages to your car with
Comprehensive coverage, Collision coverage, Towing & Labor
coverage, and Loss of Use coverage.
Our protection plans cover damage or injury to others with
Vehicle Liability coverage, Medical Expense coverage, &
Uninsured and Underinsured Motorist coverage.
We will work with you to provide the coverage you desire in a
package that you will understand. It is our job to educate you
on all of the coverage’s that you have and what they mean to
you. We are committed to making sure you understand your policy.
That is why we explain your coverage completely, and simply.
It’s just another way we can help make your life less
complicated. |
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Business Insurance
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Your business isn’t just about making ends meet. You’re
dedicated to doing a good job, serving your customers and
working hard to succeed. At Hawkins & Associates, we share the
same principles. Our agents serve you with honesty, integrity
and creativity – actively seeking the best insurance solutions
to meet your specific needs.
We take the time to analyze your business and your needs. Then,
using a full range of coverage’s including property, liability,
crime, and inland marine our agents develop a customized plan
that works for you. And we make sure the price is competitive,
reflecting your exposure and experience.
THE ADVANTAGES OF USING HAWKINS & ASSOCIATES;
• Agents who work closely with you
• Customized policies for your business
• Flexible coverage that can grow with your business
• Claims service that’s second to none
• Competitive pricing
• Flexible payment options
COVERAGE OPTIONS:
• Fire & Lightning
• Windstorm & Hail
• Sprinkler Leakage
• Vandalism
• Smoke
• Broken Glass
• Income Replacement
LIABILITY PROTECTION INCLUDES:
• Premises and Operations Liability
• Products & completed operations
• Advertising & Personal injury
• Bodily Injury / Property Damage
• Medical Payments
• Fire Legal Liability
• Host Liquor Liability
For complete protection, we can add commercial auto, workers’
compensation and commercial umbrella coverage. It’s all about
making sure you can run your business effectively, focusing less
of your energy on preparing for an unpredictable future. |
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Boat Insurance
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Owning a boat comes with some unique insurance needs. At Hawkins
& Associates, we can cover your boat and the equipment that goes
with it. So a breakdown on the way to the lake won’t leave you
stranded. We make sure you can get a tow in either situation.
And if your boat is damaged, we work hard to get the repairs
done or provide a rental so you can get back on the water
quickly.
Being on your boat is all about freedom. That’s why you need
insurance that allows you to be worry-free. Call us today and
tell us about your boat.
Our boat insurance carrier covers you on the road and on the
water. With improved coverage and competitive pricing, we can
cover 95% of all pleasure boats and personal watercrafts on the
water today.
Boat Insurance High Lights:
• New, improved coverage
• Protection in transit, and on the water
• Get Deductible Rewards,
• Be Rewarded for being a claims free boater
• Boater Safety Course discounts
• Diesel Fuel discounts
• Multi-Boat discounts
• Multiple Policy discounts
Talk with one of our agents about these coverage’s
• Physical Damage
• Roadside Emergency
• Personal Effects
• On-water towing
• Fishing Equipment
• Rental Reimbursement
• Liability Insurance
• Medical Payments
• Uninsured Boaters
We want you to be covered in every part, and at every stage, of
your life. That’s why we offer a complete line of insurance
products. We’ll work closely with you to tailor a policy or
group of policies that fit your needs, your goals, and your
budget. In fact, you may be eligible for discounts when you
combine other policies with your boat insurance. |
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Motorcycle Insurance
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“Get your motor running….head out on the highway. Looking for
adventure…and whatever comes my way.” Steppenwolf 1968
“The chrome and steel she rides….colliding with the very air she
breathes.”
Neil Young
For the people who own motorcycles it has always been about the
open road and the wind in their face. Your motorcycle is one of
your prized possessions’. But before you take your bike onto the
open road, it’s important to be sure you protect it, and
yourself, with a quality insurance protection plan…for whatever
comes your way. Your motorcycle is special, so insure it and
yourself, with a special insurance plan custom fit for you and
your bike.
Whether you straddle a touring bike or a custom job, Hawkins &
Associates has a protection plan designed for you.
We have plans designed for
• Touring
• Moped
• Antiques
• Street Cruisers
• Sport Bike
• Classics
• Scooters
• Dual Purpose
• Customs
• ATV’s
Coverage’s Include
• Replacement Cost Coverage
• Comprehensive Packages
• Travel Loss Coverage
• Helmet Collision
• Accessory Coverage
Features Include
• Roadside Assistance
• Premium Discounts
• Multiple Cycle Discounts
• Fast & Reliable Claims service
• Various Payment Options |
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Recreational Vehicle Insurance
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Your RV is your home on the road. And when you’re traveling, you
need protection.
Whether you’re retired, getting away for the weekend, on
vacation, or a full timer, allow Hawkins & Associates to protect
you, your vehicle and your passengers – no matter how you spend
your time on the road.
RV Insurance provides affordable and flexible coverage for:
• Motor homes
• Fifth wheels
• Travel trailers
• Campers and pop-ups
RV Insurance coverage includes:
• Collision and property damage
• Injury and medical payments
• Underinsured or uninsured drivers
• Roadside assistance
• Vehicle replacement cost
• Towing & Labor
• Vacation liability
• Personal valuables
RV Insurance discounts available for:
• Association membership
• Safety course completion
• Safety accessories
• RV insurance coverage combined with other applicable policies
Why do I need RV Insurance? State laws and requirements may
determine where you need your RV insurance. You may need a
policy in:
• Your state of residence
• The state where you register your RV
• The state where you garage your RV and/or the state where you
use your RV most
At Hawkins & Associates we will help you choose the policy and
coverage options that are right for you. So you and your
passengers can simply enjoy life on the road. |
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Mobile Home Insurance
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Your manufactured home consists of more than just your house.
It’s your home. A home is where lives are lived and memories are
made. It’s the place your family is raised and all of your
valuables are kept. Hawkins & Associates mobile home insurance
gives you the security of knowing that every part of your home
is covered. You can have confidence in knowing that your family
can always have a warm roof over their heads if something
unexpected comes your way.
Owning your own home is a part of the American dream. But while
ownership has its privileges, it also has extraordinary
responsibilities and concerns. That’s why it is important to
protect this major investment with a quality insurance
protection plan that is specially designed for you and for your
unique circumstance.
Manufactured homes come in many different sizes and floor plans.
Some homes are located on personally owned tracts of land, while
some are destined to be permanent structures in a home park.
Some mobile homes are purchased intended to be a permanent
residence, while some may be used for vacation homes. Some are
even bought and used for rental property. Whatever your
situation Hawkins & Associates could have a protection plan that
perfectly fits your needs.
YOUR COVERAGE COULD INCLUDE:
• Dwelling coverage
• Comprehensive coverage
• Personal property
• Personal liability coverage
• Coverage before you move in
• Additional living expenses
• Food spoilage coverage
• Reasonable repairs expense coverage
• Identity theft
• Credit card protection
• Higher limits for special personal property* (* if needed).
• Arson & Vandalism reward
If your situation does not require a full protection package,
Hawkins & Associates offers a line by line policy that is very
flexible, and allows you to select and pay for only the
coverage’s and limits you want. Depending on the coverage’s and
limits you select, it can be an inexpensive way to protect your
home and valuables.
Whatever your situation or circumstance Hawkins & Associates can
design the perfect plan for you and your family.
Hawkins & Associates: Providing insurance plans that make sense
with the service and the value that you deserve.
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Personal Liability Insurance
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Sadly today, lawsuits are everywhere. Lawyers are suing for, and
courts are awarding, record amounts of money. Your homeowners,
auto, and boat policies have limits on the liability available.
If an accident occurs, and you’re at fault, will your present
coverage be enough to cover the cost of negligence? In the
unpredictable world we live in and with lawsuits becoming more
prevalent, personal umbrella liability (PUL) coverage is a vital
part of a complete protection plan. Nobody expects to be sued.
But if you are held personally accountable and legally liable
for certain injuries or property damage, we can help you be
prepared.
YOU COULD BE LEGALLY LIABLE FOR MANY THINGS INDLUDING:
• Accidental falls on your property
• Swimming pool accidents
• Home playground mishaps
• Accidents involving watercraft
• Golf course injuries
• Libel & Slander
• Invasion of privacy
• Animal attacks
SOME ADVANTAGES OF OUR CARRIERS PUL POLICY
• Made affordable so that protection is attainable
• $1 to $5 million above limits you now have on your home & auto
policies
• Optional coverage in the event other party is uninsured
• Guilty or not, your PUL policy provides payment to find an
attorney and for legal expenses incurred in your defense-when
it’s not provided in the liability coverage of your auto and
homeowners protection.
At Hawkins & Associates we want you to be covered in every part
and at every stage of your life. That’s why we our carrier
offers a complete line of insurance products. We’ll work closely
with you to tailor the policies that fit your needs, your goals
and your budget.
Hawkins & Associates: Providing insurance plans that make sense
with the service and the value you deserve
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Builders Risk Insurance
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At Hawkins and Associates we offer a Builders Risk Policy that
is an industry leader offering broad, flexible coverage options
to meet the special insurance needs of even the largest
residential or commercial construction project. Whether you’re a
General Contractor, or a home owner that’s required to carry
this type of insurance during construction, we have a protection
plan designed just for you.
What is Builders Risk Insurance? Builders risk insurance is a
form of property insurance that covers property owners and
builders for projects under construction, renovation or repair.
This insurance is similar to Building and Personal Property
coverage; the difference being, this coverage is used to cover
buildings during the course of construction.
Builders risk provides coverage on an “all risk” basis,
including theft and vandalism, for accidental losses, damage, or
destruction of property for which the insured has an insurable
interest. This property can include an entire building or other
structure in the course of construction including the building
supplies and materials at the job site to be used in the
project. The contractor can be named as an additional insured if
requested. The contractor’s equipment and tools are not covered
and should be specifically insured by the contractor.
Builders risk policies do not cover losses occurring before
construction begins or after completion of construction.
Construction must be in progress for coverage to exist.
Coverage’s Include
• Theft
• Materials in transit & at temporary locations
• Mechanical & electrical breakdown
• Sewers and drains
• Laws and ordinances
• Model homes and unsold dwellings
• Profit
Contact Hawkins & Associates today to discuss the many flexible
options and coverage’s that may be available to you and your
building project.
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Tenant/Renters Insurance
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Tenant insurance is a special type of homeowners insurance
created specifically for people who rent. You have unique
insurance needs, and a tenant policy can help you meet them.
Usually when people think about tenant insurance they think
about replacing a TV or computer if they were stolen. But if
there’s fire that destroys the entire building, would you have
the money to replace everything you own? With our carriers’
coverage, we help make sure you and your personal property are
protected.
Our renters coverage is inexpensive and goes beyond simply
replacing your “stuff”. Loss of Use Coverage will help you pay
to stay in a hotel if you’re forced out of your home due to a
covered loss. And our Credit Card, Counterfeit Money, and
Forgery Coverage can help pay for theft or unauthorized use. You
can also add more coverage for certain high-valued property such
as jewelry, guns, silverware, furs, and important papers.
YOU’RE COVERED IN EVENTS SUCH AS:
• Fire & Lightning
• Theft at residence
• Vandalism
• Smoke
• Glass Breakage
• Falling Objects
• Windstorm & hail
• Accidental electrical damage to appliances
If an accident occurs in your apartment, you could be held
liable for injury or damage to the property of others. Worrying
about where the money will come from at a time like this just
adds more stress to an already unpleasant situation. We help
make sure you’re prepared to meet those expenses, including
paying medical expenses and covering the cost of defending a
claim against you.
At Hawkins & Associates we want to show you how you can earn
discounts on your tenant insurance protection. Due to the fact
that tenant insurance is a form of homeowners insurance you may
be eligible for a home / car discount when you carry both forms
of coverage with Hawkins & Associates. In many cases the
discount is large enough with your auto coverage that it can pay
for the tenant coverage with the difference.
Hawkins & Associates: Providing insurance plans that make senses
with the service and the value you deserve.
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Condominium Insurance
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You’ve worked hard for what you have. Your condo is more than an
investment. It’s your home. It’s where you keep your stuff, and
while your condominium association’s policy covers property
common to all owners – you’ll need additional protection.
Protect yourself and the things you value with condo insurance
from Hawkins & Associates Insurance. Have you thought about:
• The interior of your condo
• Your possessions and valuables
• Personal liability
Be safe. Get a condo insurance rate quote from Hawkins &
Associates today.
Storms, theft, accidents – you can’t predict what will happen,
but you can prepare for what may come with our carriers condo
insurance. It could protect you from:
• Fire and lightning
• Windstorm and hail
• Weight of ice or snow
• Smoke damage
• Falling objects
• Explosion
• Theft on or off premises
• Vandalism and mischief
• Accidental overflow from plumbing
• Accidental electrical damage to appliances
• Damage by vehicles or aircraft
• Riots
Hawkins & Associates condo owner insurance goes beyond simply
replacing your stuff. We could also cover:
• Reasonable repairs
• Additions and alterations you choose to make
• Damage to the inside of your home – including glass, walls and
doors
• Lodging if you can’t use your condo
• Replacing locks if your keys are stolen
• Personal liability for you, your spouse, relatives living with
you & persons under 21 in your care
• Protection against claims your legally obligated to pay –
injury, sickness, disease, and death of others
• Payment of the cost of defending claims against you
• Medical expenses of others
• Accidental death benefit
At Hawkins & Associates we try every avenue available to find
all of the discounts that might be applicable to you. You can
receive discounts for monitored fire and burglary alarms, fire
extinguishers, dead bolt locks, and even combined auto insurance
discounts are available; in fact you may save enough of your
automobile insurance to actually pay for your condo insurance.
We promise to work diligently to design the best protection plan
for you at the best value we can find. |
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Identity Theft Insurance
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LAST YEAR 10 MILLION AMERICANS SPENT AN ESTIMATED 300 MILLION
HOURS RECOVERING FROM IDENTITY THEFT.
We recognize identity theft victims need not only financial
relief but also expert assistance. Our coverage is designed to
save you time, money, and hours of frustration by performing the
work necessary to recover your identity.
Identity Theft
• Occurs when a person’s identification (including name, social
security number, driver’s license number, bank account or credit
card numbers) is used by another person for unlawful activities.
• Is one of the fastest growing crimes in the U.S.
• Required over 10 million Americans to spend an estimated 300
million hours last year resolving problems related to identity
theft.
Hawkins & Associates offers a comprehensive Identity Theft
coverage to protect you and your family for pennies a day.
Our carrier’s coverage offers a service feature that is
available 24/7. One phone call connects you with an experienced
representative who will:
• Access your credit report immediately
• Assist you in identifying fraudulent accounts
• Place a “fraud alert” on your credit reports
• File a report with the Federal Trade Commission
• Notify credit-reporting agencies
• Contact creditors on your behalf
• Assist you in filing a police report
• Assist in replacing driver license, passport, social security
card, & any other identifying documents
• Provide emergency cash advance, if theft occurs away from home
(must be secured with credit card)
Other services include
• Legal support
• Translation services
• Emotional support to help alleviate stress and anxiety
Our carriers Identity Theft coverage also provides up to
$25,000, with no deductible, to cover expenses you incur to
restore your good name, including:
• Cost of executing affidavits
• Lost income (max $250 per day, total 5,000
• Attorney fees
• Loan re-application fees
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Flood Insurance
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ALL HOMEOWNERS INSURANCE EXCLUDES FLOOD COVERAGE!
Flood coverage is available through the National Flood Insurance
Program (NFIP). Hawkins & Associates can provide Flood Insurance
for you through this program.
Please keep these points in mind:
• Everyone lives in a flood zone – it is just a question of
whether you live in a low, moderate, or high risk area.
• Nearly 25% of all flood claims are for properties located in
lower-risk flood areas or those property locations experiencing
a flood loss.
• Your homeowners policy does not include coverage for damage
caused by flood
• Just an inch of water can cause severe damage to your property
• Flash floods often bring walls of water 10 to 20 foot high
• New land development can increase flood risk, especially if
the construction changes natural runoff paths
• Federal disaster assistance is usually a loan that must be
paid back with interest.
• It takes 30 days after purchase for a policy to take effect,
so it’s important to buy insurance before the floodwaters rise.
The insurance professionals at Hawkins & Associates can help you
answer the following questions and help fit the coverage that is
appropriate for you:
• Does my community participate in the NFIP?
• Can you confirm which flood zone I live in?
• Does my community participate in the NFIP Community Rating
System (CRS)?
• If so, what is my community’s CRS rating?
• What exactly will be covered in case of flood damage?
• How will my premium costs be affected choosing coverage for
building only, contents only or building and contents?
• How will my premium costs be affected if I choose a higher
deductible?
• What is the policy fee?
• Are there additional expenses or fees I should be aware of?
Floods happen in all 50 states: on coast, on mountains, along
rivers, in the desert, in towns and city’s of every size. Floods
happen.
The most important thing you can do to protect yourself from
financial loss is to have flood insurance. Floods can also pose
life-threatening risk to you and your family. So be smart. Be
prepared for anything nature sends your way.
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