Insurance Group LLC
Jane Ryan Insurance Group
Every insurance company will argue that they are the best and will provide for their customers the best. But, one size doesn’t fit all. We’re here to shop your insurance for you and find the fit that truly is the best for you and your evolving needs. Instead of simply selecting coverages, we’ll take the time to explain how they work and why they’re important.
Homeowners insurance is a type of property insurance that covers losses and damages to an individual's house and belongings. It is important to have this type of insurance in case of fire, theft, or other disasters. Homeowners insurance typically covers the following: the home's structure, personal belongings, detached structures such as sheds or garages, liability protection, and living expenses if the home becomes uninhabitable.
An umbrella policy is designed to protect you from major financial losses. It provides additional liability coverage above and beyond the limits of your home and auto policies. Umbrella coverage kicks in when you have exhausted the liability coverage on your other policies. It can help pay for judgments and settlements that result from covered events, up to the limit of your umbrella policy. That means an umbrella policy can help provide peace of mind in the event of a major accident or lawsuit.
Many people are under the mistaken impression that disability insurance is only for those who are unable to work due to a physical injury. However, disability insurance actually covers a much broader range of conditions. In general, it provides financial protection for workers who are unable to earn an income due to an illness or injury. This can include conditions such as cancer, heart disease, and mental health disorders. It can help to cover expenses such as medical bills, mortgage payments, and living expenses.
Auto insurance is a necessity for anyone who owns or operates a vehicle. It helps to protect you financially in the event of an accident or other type of damages to your vehicle. In most states, it is required by law in order to operate a vehicle on public roads.
Many people choose to purchase life insurance in order to financially protect their loved ones in the event of their death. Life insurance can provide peace of mind by knowing that your loved ones will be taken care of financially if you are no longer there to provide for them.
Health insurance is an important tool to help manage your health care costs and protect you from unexpected medical expenses. When you have health insurance, you are more likely to get the preventive care you need to stay healthy and avoid potentially costly problems down the road. In addition, if you do need to see a doctor or go to the hospital, your health insurance will help to cover the cost of your care.
Many people don't realize that their homeowner's insurance policy doesn't cover their boat. Boat insurance is designed to protect your investment from a variety of risks, including damage from weather, collision with other boats, and theft. You should also consider the value of your boat and any equipment onboard when determining the amount of coverage you need. With the right policy in place, you can enjoy your time on the water with peace of mind knowing that your boat is protected.
Workers compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. Benefits can include medical expenses, income replacement, and death benefits. Workers compensation insurance is typically mandatory in most jurisdictions, meaning employers are required to provide coverage for their employees.
Medicare is a health insurance program for people 65 and older, as well as for some younger people with disabilities. Medicare is funded by payroll taxes, and it covers hospitalization, doctor visits, and other medical services. There are four parts to Medicare: Part A covers hospitalization, Part B covers doctor visits and other outpatient care, Part C is an optional managed care plan, and Part D covers prescription drugs.
When it comes to protecting your home or business, property insurance is an essential coverage to have. This type of insurance helps to protect your property from physical damage, theft, and other types of loss. Property insurance can also help to cover the costs of temporary repairs or replacement while your property is being repaired or rebuilt. In many cases, property insurance also provides liability coverage in the event that someone is injured on your property.
According to the National Flood Insurance Program, floods are the most common natural disaster in the United States, and they can occur anywhere at any time. Flash floods, in particular, can happen with little or no warning. That's why it's important to have flood insurance, even if you don't live in a high-risk area. Flood insurance can protect your home, business, and personal property from water damage. It can also help you cover the cost of temporary housing and other expenses if you need to evacuate your home due to a flood.
Business insurance is an important type of insurance for any business owner. It can protect your business from a variety of risks, including property damage, liability, and even financial losses. Business insurance can be costly, but the peace of mind it provides can be invaluable.
Motorcycle insurance is an important type of coverage for any rider to have. Whether you ride a cruiser, touring bike, sportbike, or scooter, you'll want to make sure you're properly protected in the event of an accident. Motorcycle insurance can help to cover the cost of repairs to your bike, as well as any medical bills that may result from injuries sustained in an accident.
Employee benefits are an important part of any compensation package. Benefits can help to attract and retain top talent, and they can also improve employee satisfaction and morale. Some common benefits that employers offer include health insurance, dental insurance, life insurance, disability insurance, and retirement savings plans. In addition, many employers offer paid time off for vacation, sick days, and holidays.