Home & Auto Coverage + MOre

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 Whether you have a apartment in the City, a cottage house, a condo or a suburban sprawl, we are an independent agent that offers a variety of insurance carriers, coverages, prices, and more. Ultimately, this helps you, our client, tremendously. We dedicate ourselves to finding you and your family the best coverage with the lowest premiums available. We will discuss all your concerns and needs to tailor your policies to you.

We offer many different type of policies for your protection 

• Homeowners policies
• Rental/Apartment owner's insurance
• Multi-tenant homes
• Condos & co-ops
• Townhouses
• Second/Vacation home
• Multi-home schedules: Nationwide
• High net worth properties & estates
• Waterfront / Coastal properties
• Jewelry/Fine art/Furs: Endorsements & policies
• Flood policies (FEMA)
• Flood insurance
• Excess flood policies
• International liability

 We dedicate ourselves to finding you and your family the best coverage with the lowest premiums available. Whether you have had accidents or not, we will work together with you to bring you the best options available to help make you safe to drive.  

Boats, personal watercraft, motor homes, RV’s, and ATV’s are big purchases, and can be dangerous to you and others while in use but if you love being on the water, or seeing the Country in an RV for instance then you know they’re worth it.

With industry-leading features, from many of the top companies in the country to choose from the Classic Coverage Team can help you protect you properly.

Our team can also help and provide information on discounts as you customize your coverage.

Make better informed decisions about your insurance. Our team of insurance advisors are trained professionals on getting the right coverage for you and your family. 

RV's ,Motor Home's, Snowmobiles, Quads are fun and the proper insurance makes the fun times safe.

Speak to our team of knowledgeable advisors to get access to the best companies in the fun business and let our team work with you to make the informative choices for that protection.

What is Umbrella Insurance? Umbrella insurance coverage helps protect you from the costs of covered claims when those costs exceed the limits of your home insurance or auto insurance policies.

An umbrella policy can help cover defense costs when you are being sued for damages to someone else’s property or injuries caused to others in an accident.

What Does Umbrella Insurance Cover? Whether it’s a serious car accident involving extensive medical bills or an incident on your property, you may quickly find yourself responsible for damages that exceed the limits of your auto, homeowners or boat policies.

That’s when having an umbrella insurance policy can provide coverage that goes beyond the limits of your primary coverage. Umbrella insurance can help provide coverage for:

• $1 million to $10 million of liability, which can help protect assets such as your home, car and boat.
• Claims like libel, slander, defamation of character and invasion of privacy.
• Legal defense costs like attorney fees and other charges associated with lawsuits.
• Liabilities that happen outside the United States.

An umbrella insurance policy is a valuable addition to any auto, homeowners or other policy for extended personal liability protection.

Do I Need Flood Insurance?

You may have heard about flood insurance and wondered if you really need it. To help decide whether flood insurance is right for you, it's important to understand a bit about both floods and insurance.

Flood insurance usually is a separate policy designed to help protect your home and belongings if they are damaged in a flood. Standard property insurance policies, such as homeowner’s insurance, typically do not cover flood damage. Floods are the number one natural disaster in the United States, according to the Federal Emergency Management Agency (FEMA). Even a few inches of water can cause costly damage to your home and its contents, FEMA says.

There are many conditions that cause flooding such as spring thaws, heavy rains, hurricanes and the rapid accumulation of rain after a wildfire are just some of them. And, while certain areas are prone to flooding, it can happen anywhere and at any time. Here are some things to consider as you determine whether you should buy a flood insurance policy.

• Homeowners Insurance does not typically cover floods It's important to know that a standard homeowners insurance policy typically does not cover flood damage. And because floods can occur anywhere, you should consider purchasing a separate flood insurance policy.
• How much does flood insurance cost? The price of flood insurance is based on a number of factors, including your property's flood risk, what the policy covers and how much coverage you buy. 
• When is flood insurance required? If your home falls in a high-risk flood area and you have a mortgage from a federally regulated or insured lender, your lender is legally mandated to require you to have flood insurance, FEMA says. Typically, that's not the case if your home falls in a moderate-to-low risk area. However, a lender may require you to have flood insurance at any time ─ even if the company is not legally mandated to do so, according to FEMA.

Manage your wealth effectively with Classic Coverage Group. Our HNW and wealth management team will tailor your specific needs and goals, and designed to help you grow and properly protect your assets.

 Our team works discreetly to assure your privacy, protecting everything you work hard on and everything you enjoy.