Dhuka Financial Group

Auto insurance coverages vary depending on the policy and provider, but here are the most common types of coverage:

1. Liability Coverage – Covers damages and injuries you cause to others in an accident. 
   • Bodily Injury Liability (BI) – Pays for medical expenses, lost wages, and legal costs of others.
   • Property Damage Liability (PD) – Pays for damage you cause to someone else's property (e.g., car, fence, building).

1. Collision Coverage – Pays for damage to your car from a crash, regardless of fault.
2. Comprehensive Coverage – Covers damage from theft, vandalism, weather, fire, or hitting an animal.
3. Uninsured/Underinsured Motorist (UM/UIM) – Protects you if the at-fault driver has little or no insurance.
4. Medical Payments (MedPay) or Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers, regardless of fault.

1. Roadside Assistance – Covers towing, flat tires, dead batteries, and lockouts.
2. Rental Reimbursement – Pays for a rental car while your vehicle is being repaired after a covered accident.
3. Gap Insurance – Covers the difference between what you owe on a loan/lease and the car’s actual value if totaled.
4. Rideshare Insurance – Covers you when driving for services like Uber or Lyft.What's something exciting your business offers? Say it here.

Homeowners insurance protects your home and personal belongings from various risks. It also provides liability coverage in case someone gets injured on your property. Here’s a breakdown of the key coverages:

1. Dwelling Coverage – Covers damage to your home’s structure (walls, roof, floors) from covered events like fire, storms, or vandalism.
2. Other Structures Coverage – Protects detached structures like garages, sheds, and fences.
3. Personal Property Coverage – Pays to repair or replace belongings (furniture, electronics, clothing) if damaged or stolen.
4. Loss of Use (Additional Living Expenses - ALE) – Covers temporary living costs if your home becomes uninhabitable due to a covered event.
5. Personal Liability Coverage – Protects you if someone sues for injuries or property damage caused by you or a family member.
6. Medical Payments Coverage – Pays medical bills for guests injured on your property, regardless of fault.

• Flood Insurance – Standard policies don’t cover flood damage; you’ll need separate flood insurance.
• Earthquake Insurance – Covers earthquake-related damage, usually as an add-on or separate policy.
• Water Backup Coverage – Covers damage from sewer or drain backups.
• Extended Replacement Cost – Helps cover rebuilding costs if construction prices rise beyond your dwelling coverage limit.
• Scheduled Personal Property – Provides extra coverage for high-value items like jewelry, art, or collectibles.Say something interesting about your business here.

Commercial auto insurance covers vehicles used for business purposes. It protects your business from financial losses due to accidents, theft, or damage involving company-owned or leased vehicles.

1. Liability Coverage (Mandatory in Most States)
    
   • Bodily Injury Liability – Covers medical expenses and legal costs if your driver causes an accident.
   • Property Damage Liability – Pays for damage to other vehicles or property caused by your business vehicle.

1. Collision Coverage
    
   • Pays for damage to your business vehicle after a crash, regardless of fault.

1. Comprehensive Coverage
    
   • Covers non-collision damage such as theft, vandalism, fire, or weather-related incidents.

1. Uninsured/Underinsured Motorist Coverage
    
   • Protects your business if another driver with little or no insurance causes an accident.

1. Medical Payments (MedPay) or Personal Injury Protection (PIP)
    
   • Covers medical expenses for your driver and passengers, regardless of fault.

1. Hired & Non-Owned Auto Insurance (HNOA)
    
   • Covers vehicles your business rents, leases, or employees' personal vehicles used for work-related tasks.

1. Cargo Insurance
    
   • Protects goods and equipment transported in your business vehicles.

1. Rental Reimbursement
    
   • Pays for a rental vehicle if your business vehicle is being repaired after a covered accident.

• Businesses that own or lease vehicles.
• Contractors, delivery services, and rideshare/delivery drivers.
• Employees using personal vehicles for work-related tasks.
• Trucking companies and fleet operators.Say something interesting about your business here.