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E.C. Moran offers many solutions for your personal insurance needs. These include the following:

 

 

 

 

 

 

Homeowners

For Owner-Occupied Residences only, these policies are comprised of coverage for the Dwelling, then Other Structures, Personal Property and Additional Living Expenses are a percentage of the Dwelling coverage amount. Section II includes Personal Liability and Medical Payments

Tenant Renters

Similar to a Homeowners policy but without any coverage for a Dwelling or Outbuilding

Dwelling Fire

Instead of being packaged like a Homeowners policy, the coverages are all separate and include Dwelling, Other Structures, Personal Property, Loss of use/Loss of Rents, Liability, and Medical Payments

Personal Auto

Coverages are commonly referred to as “Liability” or “Full Coverage”. “Liability” coverages include the actual Liability for bodily injury and property damage, Medical Payments, and Uninsured or Underinsured Motorist. With Full Coverage there is also Physical Damage coverage which includes Collision and Other Than Collision, also called Comprehensive coverage

Antique and Classic

Personal Umbrella

An amount of Liability insurance, generally starting at $1,000,000 and offered in additional $1,000,000 increments, this policy will start to cover above the underlying Automobile and property coverages. Coverages and terms vary by company

Motorcycle

Similar to an Auto policy with coverages for Bodily injury and property damage Liability, Medical Payments, Uninsured Motorist, and Coverage for Comprehensive and Collision coverages, however there is generally the option of covering Liability for a passenger, trip liability and customized equipment coverage.

Boat

Coverage for Liability, Medical Payments and uninsured Boaterist as well as physical damage to the boat. This policy may cover use on fresh water or salt water or both, and may limit the area that it covers to a set distance from shore or just Maine or certain allowable states

Recreational Vehicle

Similar to an Auto policy with Liability, Medical Payments and Uninsured/Underinsured Motorist, and physical damage, it is often rated by the type of use such as how many weeks a year it is used, and whether it is set up in a campground year-round.

Snowmobiles, ATVs

Rated by the type of vehicle and number of ccs in the engine, it typically covers Liability types of coverage and physical damage to the unit itself

Home Business

Not covered under a typical Homeowners policy, this adds coverage for the furniture and computer and file cabinets used in the business as well as Liability for people coming to the property to do business. Typically this is used in the event of a Home Office type use with little client traffic. These policies vary greatly in the coverages provided.