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Financial Protection for Your Family
Peace of Mind for You
$$'s for Your Organization 

Insurance. Everyone needs it, but no one likes to think about it. That's probably because insurance offers financial protection against the types of things that we'd prefer to think can't possibly happen to us:

 A repair person slips and falls on your front walkway
 Your 100-year-old tree topples through your neighbor's window
 Your teenager mistakes the gas pedal for the brake
 Your spouse has a heart attack
 There's a fire in your apartment
 You become disabled and cannot work
 Your business is the target of a malicious law suit
 Your family's main breadwinner dies in an accident

Unfortunately, situations like these really do happen every day - often to families just like yours. When they do, insurance can keep difficult situations from getting worse by preventing them from causing financial ruin as well.

Make a Difference

Everyone needs insurance. Most people's insurance needs fall into four main categories: insurance for their possessions (such as their house and their car), health, life and finances. Duarte Advantage Plus makes it possible for people to support a worthy cause through a purchase they would have made anyway, without spending a penny extra. A percentage of every policy premium goes directly to your organization.

Get Excellent Policies from the Major Insurance Carriers

The Duarte Advantage Plus Insurance Program offers a wide variety of insurance plans and policies, all from major "name brand" insurance carriers. Everything from homeowners and automobile policies to life insurance, disability insurance, business insurance and more is available.

Work with a Person, Not a Computer

This is not one of those "online only" insurance programs that have received so much bad press. With Duarte Advantage Plus you'll work with a live person who will talk to you, learn about your needs, and educate you about your options. And if you need to file a claim, your Account Representative will be available to help.

Get a Free Insurance Evaluation

Do your current insurance policies provide adequate coverage for your needs? Are you over- or under-insured? Could you be saving money on your insurance? Our clients save on average $481 per year. Find out with our free customized insurance evaluation. If your current policies are fine, in most circumstances you'll be able to help your organization without even changing policies - just move your policy from your current agent to Duarte Advantage Plus. If there's room for improvement, we'll let you know.  

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Request an Insurance Review Today!

Or Call 1-877-404-2008

Auto

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Nearly every state in the U.S. requires automobile owners to carry auto insurance for auto-related injuries, loss or damage. Although states generally specify a minimum required amount of insurance coverage, most vehicle owners would be wise to make their purchase decision based on their actual risk, not these (usually very low) minimums. After all, if you are found legally liable for damages that exceed your insurance amount, you will be responsible for coming up with the difference out of your personal assets!

• Auto insurance can include 6 basic types of coverage related to the use of your car, each of which is priced separately:

• Bodily Injury Liability - Covers injuries sustained by someone who was not riding in your car at the time of the accident.

• Medical Payments or Personal Injury Protection - Covers treatment of injuries sustained by the driver and/or passengers of your car.

• Property Damage Liability - Covers damages to someone else's property.

• Collision - Covers damage to your car from a collision with another car or an object.

• Comprehensive - Covers damage to your car caused by a situation that doesn't necessarily involve other drivers or vehicles, such as theft, fire, earthquake or flood.

Uninsured and Underinsured Motorist - Provides coverage for damages caused by a collision with an uninsured or hit-and-run driver, or with someone who doesn't have enough insurance to pay for all of your loss.

Or Call 1-877-404-2008

Condo Insurance

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If you live in a condominium, who's responsible for maintaining homeowner's-type insurance: you or the condo association? The answer is "both." While most condo associations carry insurance coverage for the building's basic structure and for all of the common areas, the interior construction of each unit can be the individual owner's responsibility. However in most cases you will be responsible for the master policy large deductible. Most deductibles are now $5000 to $10,000.

For example, if the condo building is damaged in a fire, the association's insurance will pay after the master policy deductible is met. So, you may be responsible for everything it takes to place to your unit habitable, from the dry wall and flooring, to the cabinets, light fixtures and toilets before the deductible is met. Your Condo owners policy will cover the large master deductible, plus any upgrades you have made to your home.

A typical Condo Policy covers:

• Your unit's interior - Coverage for carpets, fixtures, and other items not covered by the association's policy.

• Your personal property - Your furniture, clothing, dishes, etc.

• Liability - In case you are sued for a covered event.

• Additional Living Expenses - Coverage for if you need to temporarily move out while the unit is repaired or rebuilt following a covered incident.

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Renters Insurance

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• There's a fire in the apartment next to yours, and the resulting smoke damages all of your furniture.

• The apartment building's fire sprinkler system malfunctions, and the 15-minute soaking wrecks everything in your living room - sofa, coffee table, easy chair, stereo, and big-screen TV.

• Your neighbor sues you after their daughter slips and falls in the kitchen of your rented house.

If you think your landlord's insurance policy would cover your losses in these cases, think again. Their policy only covers the building's structure - the walls, roof, windows, etc. If you're living in a rented property, you need Renter's Insurance.

Renter's Insurance provides coverage for your possessions, and usually also provides some liability coverage. Because it does not cover the building's physical structure at all, this type of insurance is surprisingly inexpensive.

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Request an Insurance Review Today!

Or Call 1-877-404-2008

Life

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What would happen to your loved ones if you were to pass away tomorrow? Would they be okay without your income? If not, you may need life insurance.

Life insurance provides financial security to your family after your death. The money paid out by the policy is usually tax-free, and is often used to replace lost income, pay off a mortgage, put children through college, cover funeral expenses, or keep retirement plans on track.

There are a number of different types of life insurance policies; all pay a cash benefit to your designated beneficiaries after your death, and some have an associated investment component. The four major types of life insurance are:

Term Life - This is "pure insurance," with no investment component. If you pass away during the specified term of the policy (usually 10, 15, 20 or 30 years), your designated beneficiaries receive a cash death benefit. Premiums remain level during the life of the policy.

Whole Life - The policy covers your entire life, not just a specified period of time. Premiums remain level throughout the life of the policy, and the insurance company invests a portion of your premiums on your behalf. Money from this cash value can be withdrawn during your lifetime. Many companies offer a guaranteed rate of return on the investment portion of the policy.

Universal Life - In addition to the death benefit, universal life also offers premium flexibility (you decide how much more than the minimum required amount you want to put in), and the ability to make withdrawals or borrow from the policy during your lifetime. The policy's cash value builds up in a tax-deferred account that earns market-based returns.

Variable Life - Provides permanent protection for your family, and a wider selection of investment options. Designed for the more risk-oriented policy holder, variable life does not offer guaranteed returns or death benefit amounts. 

Or Call 1-877-404-2008

Unfortunately, whether you have your boat out for a ride, tied to the dock, sitting in storage, or hitched to your trailer on the way to the water, things can go wrong. A boat insurance policy insured you and your boat against liability and damage in case an accident occurs. 

A boat owner's policy can provide coverage in case you injure someone with your boat, or damage their property. It can also insure against most of the risks of owning and operating your boat (and its motor and trailer), such as:

• Sinking, Capsizing or Stranding
   

• Storms
   

• Theft
   

• Fire
   

• Collision
   

Or Call 1-877-404-2008

Or Call 1-877-404-2008

Or Call 1-877-404-2008