Auto insurance includes three broad coverage categories designed to protect you from financial loss if you have an accident:

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.

Within the three broad coverage categories listed above, an auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverage’s. If you’re financing a car, your lender may also have requirements.

For more information contact:
1-866-753-1938 or Tracy Kwiatkowski 410-753-1928
PCRInsurance@PrudentialCarruthers.com

Buying a life insurance policy is a major decision, which usually accompanies major changes in your life. Most people buy life insurance when they get married, or buy a home, or have kids, or when other life changing events take place.

Because so much is happening, it is easy to overlook the complexity of the subject when purchasing your first policy. But those who take the time to learn more usually end up saving a lot of money on their premiums, simply by learning about what coverage best suites their needs.

Life Insurance Needs Calculator

For more information contact:
1-866-753-1938 or Andreas T. Dailey 410-753-1942
PCRInsurance@PrudentialCarruthers.com

Often, flood insurance is required as a condition of granting a mortgage if your home is located in a high hazard flood area. Homeowners living in high hazard flood areas have a 26% chance of having a flood loss over the course of a 30-year mortgage.

For more information contact:
1-866-753-1938
PCRInsurance@PrudentialCarruthers.com

Renters insurance covers your personal possessions such as furniture, computer, clothing, stereo, paintings and other items that are not covered by your landlords insurance. Renters insurance offers the same general personal property coverage and liability protection as a home owners policy.

Property insurance covers the cost of repairing or replacing personal property that has been damaged, destroyed or stolen. The liability component of renter’s insurance protects you from being sued by individuals hurt on your landlord’s property.

Most of all renter’s insurance provides you with the kind of peace of mind that comes with the knowledge that you will be able to handle any circumstance that should come your way in the future.

For more information contact:
1-866-753-1938 or Tracy Kwiatkowski 410-753-1928
PCRInsurance@PrudentialCarruthers.com

If you’re like most people, your home is your most significant investment. How you choose to buy homeowners insurance depends on your own particular needs and preferences.

PCR Insurance Services offers several ways to purchase insurance, each with distinct benefits.

PCR Insurance Services is proud to offer policies from The Hartford, Farmers Insurance Group, Travelers, Fireman’s Fund and Chubb.

Why Do I Need Insurance for my Home?

Insurance is your protection against the uncertainties of day-to-day living. For most people, their home is their single most valuable possession - and their biggest investment. Homeowners insurance protects your investment as well as you, the members of your family and your household possessions.

If you were to suddenly lose your home due to fire or a tornado or have the contents damaged or stolen, like most of us, you probably could not afford to replace everything all at once. And if somebody sued you for an injury or damage caused by you or your property, the cost of defending that suit could run into thousands of dollars in legal fees and are regardless of the outcome of the suit.

Yet another reason you need to carry homeowners insurance is that mortgage lenders require it. No mortgage company will lend the large amounts of money needed to finance homes at today’s prices without requiring an insurance policy to protect that investment.

For more information contact:
1-866-753-1938 or Tracy Kwiatkowski 410-753-1928
PCRInsurance@PrudentialCarruthers.com

Have you ever asked yourself this question, if I lost the ability to earn my current income, how would I be able to pay my bills?

A personalized disability income protection program can be tailored to meet your current and future financial obligations. Similar to disability coverage, long-term care planning provides the income that would be used to pay for personal care following an injury or illness. This can help you protect your personal savings and retirement assets that you worked hard to accumulate.

For more information contact:
1-866-753-1938 or Andreas T. Dailey 410-753-1942
PCRInsurance@PrudentialCarruthers.com