首页 »
得到完全覆盖. 得到细心的龙8国际登录. 知道你的保护.
首页 »
你想保护你的家人, 首页, 车, 船, 宠物, 特别活动, and more — but do you have the coverage you need?
敏锐地理解细微差别,以最好的可能的费率获得最好的客户保险政策, 我们的代理知道如何建立坚实的个人保护,让您完全安心.
提供必要的个人线路,如家, 汽车, 和人寿保险, as well as additional coverage for extra assets that deserve protection, we get to know our clients individually so the unique policies we create match up.
独立经营,地方所有, 罗宾斯保险公司是一家位于纳什维尔的保险机构,以在整个东南地区提供定制的保单而闻名, 良好的指导, and attentive service to families and individuals seeking reliable, 信任的保险合作伙伴.
获得更好的个人保险:
- 请求一个咨询
- Connect with our team to discuss your policy needs
- Gain peace of mind that your business is totally protected.
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
大多数火灾都是毁灭性的. Besides the emotional impact, the physical damage to your 首页 can be significant. 如果你的房子在火灾中失去了,你有足够的保险来更换你的房子和里面的东西吗? 还记得, 建筑材料和建筑成本的通胀率很少与房地产价值同步. As a result, rebuilding a 首页 can often cost significantly more than expected.
Make sure your 首页owners policy contains replacement cost coverage with no cap. 如果你的房屋重建成本高于你目前的保险限额,这将保护你. 和, be sure that your insurance includes rebuilding your 首页 to code. 通常情况下,地方法规和建筑规范会随着时间的推移而改变,这可能需要额外的成本.
当你的家因意外事件受损时,你的个人财产也会受到威胁. 家具, 电器, 服装, 电子产品, and other personal items can also be damaged or destroyed.
Your 首页owners insurance policy typically covers personal property, 包括你或和你住在一起的家庭成员拥有的家庭物品和其他个人物品. 确保你的业主政策包括个人财产的重置费用,这样你总是收到全额的重置费用,无论物品损坏.
当由于闪电等意外事件造成房屋严重损坏时, 火, 或者一个风暴, 你可能无法住在你的房子,直到它可以修理或重建,潜在地产生额外的住宿生活费用, 食物, 和其他日常需求.
确保你的业主的保险政策提供额外的生活费用或使用损失保险,以补偿你在合理的住房和生活费用中产生的额外费用,如果被保险的事件使你的房子在修理或重建期间暂时不适合居住.
通常, there is a sublimit on 首页owner insurance policies for valuable possessions, 如珠宝, 皮草, 美术, 和其他收藏品.
买一辆私人漂流车或安排好你的贵重物品,以确保你有钱换掉它们.
如果有客人在你家受伤, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
你的房屋保险应该包括医疗费用的范围,以照顾受伤和治疗-通常不是严重的性质. In the event a person is injured on your property and requires medical attention, 你可以向保险公司提交受伤相关的医疗费用. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
您的业主政策包括个人责任险,以应对发生在您可能被视为疏忽的第三方的伤害或损害事故. 然而, 你应该考虑购买个人雨伞或额外责任保险,以提供额外的保险范围,以保护你的资产,以防你被起诉.
后院的蹦床带来的乐趣也可能伴随着严重的风险, 哪些可能不包括在你的标准房主保险政策中,因为保险范围因州与州以及保险公司之间的不同而不同.
You should make sure your 首页owners insurance policy covers your trampoline, 因为许多保险公司拒绝承担蹦床责任,并将该项目排除在保险范围之外.
年轻人通常在网上非常活跃. 然而, 使用社交媒体和其他网站会增加他们直接或间接损害别人声誉和暴露你的可能性, 父, 一个诉讼.
你的房屋保险政策包括家庭成员造成的财产损失的责任保险, but likely does not cover rumors or statements that damage a reputation. 您可能需要寻求额外的保险,包括责任保护,包括人身伤害或诽谤.
你邀请客人来参加泳池派对,但你的一位客人跳进了泳池的浅水区,并受了永久性的伤. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. 你有足够的存款来支付你的法律责任和法律辩护费用吗?
保护伞或超额责任保险通过在您当前的汽车之外增加保护来增加您的个人责任限制, 船, or 首页owners policies-providing real financial value, 以及无价的心灵安宁. 超额责任保险可通过背书您的房主政策或作为单独的覆盖范围.
You do not have to live near a body of water to suffer loss due to flooding. 随着气候模式的变化和全球范围内破坏性风暴的发生, 在那些通常不容易遭受洪水破坏的地方,洪水损失正变得越来越普遍. Your 首页owners policy does not cover damage from flood. 你的家会有危险吗?
购买洪水保险,以保护你的家和覆盖的内容,从特定类型的洪水损失指定的国家洪水保险计划. 洪水保单是通过联邦计划(NFIP)或通过名为“编写您自己的载体”的龙8国际登录载体作为单独的保单购买的.
Owning a secondary 首页 has the potential of increasing your liability exposures.
确保你在你的房主政策下扩大了责任保险,包括你的第二套房子. 你也应该考虑将第二套房纳入超额责任或保护伞政策,以提供额外的责任限额.
收藏家或经典车辆通常有重要的价值,需要特殊的文件和独特的保险范围,以确保他们充分保护. 即使储存在你的财产中,它们通常也不包括在你的业主保险中.
保险您的收藏家汽车与专门的保险公司的重点和了解收集器或经典汽车和其他车辆的独特性质.
如果你是葡萄酒鉴赏家, you know that it is susceptible to outside environmental exposures that can ruin it. 如果收藏品损坏了,你的房主的保险是一个可能的追索权. 然而, 只有在保单中列出的损失原因包括在内的情况下,损坏才可保. 免赔额也适用.
如果你有相当多的葡萄酒收藏, you may want to consider scheduling the collection on your 首页owners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
无论是从外面进入洪水还是从你家的管道系统, water damage is the most common cause of loss to a 首页. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed 首页owner policies exclude damage caused by a flood.
仔细的检查是必要的,以保护你的家和财产免受所有水源的破坏. 我们推荐保险公司的保险解决方案,包括下水道和排水系统的备份. 此外,首先要确定具有成本效益的解决方案,以解决洪水破坏的风险.
令人惊讶的是, 标准的汽车保险不包括个人财产或汽车被盗物品.
大多数房主保单都提供一种选择,将房屋外盗窃保险作为一种背书, which covers you for theft of your personal property away from your residence.
公寓保险
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
摩托车保险
当你在路上追逐夕阳的时候, you need insurance that works hard to protect your adventurous spirit. 我们会帮你上路的, customized coverage—no matter what journeys you find yourself on.
越野车辆保险
你的越野车需要的保护不同于你的汽车或房屋保险所能提供的. We'll help keep you and your off-road vehicle safe and secure while you explore.
房车保险
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. 我们将与您一起工作,以确保拥有一辆房车是一个有益的经验,也是一个安全的.
船舶保险
无论你拥有的是划艇还是动力艇, you want to enjoy your time on the water without worry. 我们会帮你把烦恼留在陆地上,让你充分享受在水上的时光.
经典的汽车保险
Your prized collector 车 represents real commitment of your time and resources. 我们将通过专门为您这样的老爷车爱好者设计的保险来帮助您保护您的投资.
游艇保险
Spending time on your yacht is a luxurious, relaxing pastime. 但, 如果你没有得到充分的保护,与游艇相关的风险可能会让你的停船时间减少. 我们的保险顾问将审查您的风险,并帮助您决定的保险范围,以保持您的投资.
孩子人寿保险
没有人愿意考虑那些不可思议的事情,所以谈论儿童人寿保险是很困难的. 但, there are advantages to this type of coverage that you might not be aware of. 我们将向您介绍儿童人寿保险的基本知识,以帮助您决定它是否适合您的家庭.
长期残疾保险
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. 我们将确保你有经济支持来管理你的残疾和你的家庭.
补充医疗保险
Medi车e supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.