L&R Elite Insurance

Our insurance products and services

How may we help?

With many years of experience in the insurance industry, we put our knowledge to work for you. We represent a carefully selected group of reputable insurance companies. Your policy will be placed with a company offering the best coverage at a competitive price.

As an independent agency, you can count on us for professional and dependable service. Whether you need personal or commercial insurance, we will provide coverage you can count on to protect the things that are most important to you.

Please take a few moments to familiarize yourself with different types of insurance policies listed below and see how we can serve you!

If you have any questions, give us a call, stop by or send us an e-mail.

Types of insurance

Homeowners

If you have tangible assets, you need the protection of a homeowners policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way -- unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.