WE TAKE YOUR INSURANCE NEEDS PERSONAL — Customized INSURANCE PLANS with maximum coverage

DHK Insurance

WE TAKE YOUR INSURANCE NEEDS PERSONAL — Customized INSURANCE PLANS with maximum coverage

Insurance Services

Auto & Recreational Insurance

Protect yourself against financial loss if you have an accident.

Auto insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

 

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.


An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.


Recreational Insurance

Whether it’s a boat, personal watercraft, RV, camper, travel trailer, ATV, or golf cart, this insurance covers liability, damage or theft, as well as injuries resulting from the use of these recreational items

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Homeowners, Renters & Condo

Financial coverage against property damage, liability and legal responsibility.

Homeowners insurance

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

 

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.


Renters Insurance

Even though the landlord will have insurance protecting their property, renters need insurance to protect their belongings, such as clothing or furniture, in the event of fire or water damage. This insurance also covers you if someone gets hurt in your apartment.

Condo Insurance

Similar to renters insurance, condo insurance covers the home from the studs in, things that are permanently attached, like built-in cabinetry, lighting and flooring. It provides protection from theft, vandalism, fire damage and water damage, as well as liability coverage if someone is injured in your condo. 

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Life Insurance

Provide for your loved ones after you are gone.

Income replacement For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer have your income to rely on. Proceeds from a life insurance policy can help supplement retirement income. This can be especially useful if the benefits of your surviving spouse or domestic partner will be reduced after your death.



Pay outstanding debts and long-term obligations

Consider life insurance so that your loved ones have the money to offset burial costs, credit card debts and medical expenses not covered by health insurance. In addition, life insurance can be used to pay off the mortgage, supplement/retirement savings and help pay college tuition.

 

Estate planning

The proceeds of a life insurance policy can be structured to pay estate taxes so that your heirs will not have to liquidate other assets.

 

Charitable contributions

If you have a favorite charity, you can designate some of the proceeds from your life insurance to go to this organization.

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Business Insurance

Quality coverage for your organization.

Whether your just getting the business started or already established, we specialize in providing the quality coverage and services your organization will need now and in the future. Our agency has licensed and experienced staff to sit down with you and design a program to fit your individual needs and risks.


Business & Commercial Product Lines

  • Business Owners
  • Property
  • General Liability
  • Umbrellas
  • Life/Group Life
  • Workers Compensation
  • Commercial Auto
  • Builders Risk
  • Employers Liability
  • Bonding


Special Programs for Targeted Businesses

  • Automobile Services
  • Contractors & Tradesmen
  • Manufacturers Programs
  • Office & Business Services
  • Restaurants
  • Retail Services
  • Wholesalers & Distributors


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Pet Insurance

Financial reimbursement for pet injury or illness.

What is Pet Insurance?

Pet insurance reimburses you for your dog or cat’s unexpected medical bills.


How it Works

Your pet is treated at any veterinarian for sickness or injury. You submit the bill to Figo for reimbursement by simply snapping a photo of your vet bill. Then, you upload the photo via Figo’s Pet Cloud mobile app to be reimbursed for the costs in an average of 7 days. It’s that easy.

 

Why Figo?

For an average cost of a $1.25 per day, Figo lets you visit any licensed veterinarian, specialist and ER in the US, Canada or Puerto Rico. Enrollment is easy and Figo’s customer care team is accessible by phone, email, text, chat and Twitter.

 

More Than Pet Insurance

If you have a favorite charity, you can designate some of the proceeds from your life insurance to go to this organization.

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