Auto and Home

Considerations for protecting your Assets:

In addition to having adequate protection for covered losses to your
Home and Auto, careful consideration should be made in determination
of Liability Limits. The Liability Coverage Section of the policy will, in the
event of a covered claim, provide:

Payment to others for bodily injury or death, property damage,

loss of wages, etc.

Coverage for your defense costs (defense cost do not diminish

                the Liability Limits)

If the Liability Limits are exhausted by a settlement,   the insured is responsible for any amount in excess of   their Liability Limits. Most
Individuals and families may qualify   to add an   Umbrella   (or excess
liability) policy to increase Liability Limits by $1,000,000 or more.

Discounts that can be applied to a policy to lower
the premium:

Many Insurance Carriers offer Automobile Insurance discounts
for the following:

		Multiple Policies
		Higher Deductibles
		Anti Theft Devices
		Airbags
		Anti-lock Brakes
		Good Student Discount for Youthful Driver
		Driver Training For Youthful Drivers
		Youthful Driver's away at school 100 miles or more without vehicle

Many Insurance Carriers offer Homeowner's Insurance Discounts for the following:

		Multiple Policies
		Higher Deductibles
		Smoke Detectors
		Fire Extinguishers
		Deadbolt locks
		Central Station Alarm Systems
		Newer Home Discount

For Additional Information or a Free Quotation, please contact us at:
service@hebbeln-ins.com or
Ph. 636-519-0059