Home & Auto Insurance

Home Insurance

Your home… it’s where your favorite spot to relax after a long day is. It’s where your kids come running to after they step off the school bus. It’s where many of life’s milestones have been and many more are to come.  Your home is where you play, plan, and dream with those you love. That’s why it’s essential you insure it properly – both inside and out.

Home Insurance Covers More Than Disasters

Home insurance from Live Oak Insurance isn’t just reserved for times of catastrophes such as fire, tornadoes, and other natural disasters – although it’s a welcome sight when your home has been subjected to complete ruin. The hail damage you received to your roof, the broken water heater that flooded your newly finished basement, theft, vandalism, identity theft, and more are all items that can be covered under a Live Oak Insurance policy.

 What home insurance options are available?

Live Oak Insurance offers the following types of home insurance that will meet your specific needs at affordable premiums:

  • Home Insurance
  • Condo/Townhouse Insurance
  • Mobile and Manufactured Home Insurance
  • Renters Insurance
  • Jewelry Insurance
  • Umbrellas
  • Windstorm
  • Fine Arts/Personal Items
  • Flood

Auto Insurance

Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.

Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

What Does Auto Insurance Cover?

Auto insurance from Live Oak Insurance covers many things. Some of the most common claims we see on our comprehensive auto insurance plans are:

  • Car accidents
  • Hail or weather damage
  • Hitting a deer
  • Theft

What auto insurance options are available?

  • Auto Insurance
  • Recreational Vehicles
  • Motorcycles
  • Watercraft