Insurance Services

Life Insurance

Life insurance policies will protect your beneficiaries with financial stability and security when it matters most. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:

• Covering any lost income and helping continue the same standard of living
• Paying off any debts
• Paying for your children’s education
• Covering funeral and related costs

Which is right for you? First, always ask yourself why you need your life insurance policy and what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college or so your spouse will be able to pay off the mortgage? A temporary form of life insurance – term life – is well suited for these concerns. If you are more concerned about providing income to a widow or widower for life, funding retirement, or passing on wealth to future generations you will find permanent life insurance to be better suited for these goals. If you have a temporary goal in mind then term insurance is probably best.

Health Insurance

Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected.
Health Insurance packages can include:

• Individual & Family Health Insurance
• Group Health Insurance
• Dental Coverage
• Vision Coverage
• Long-Term Care Insurance
• Temporary Health Insurance
• Supplemental Insurance
• Disability Insurance
• Medical Expense Insurance
• Child Health Insurance
• Travel Health Insurance
• Prescription Insurance

When it comes to your health you can never be too careful, and with the rising cost of medical care, Health Insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is a necessity. Although plans vary according to your needs, they can cover anything from medical and hospital expenses to prescription drugs.

Business Insurance

Being a business owner comes along with many responsibilities and one of those important factors includes managing the many things that can go wrong within your company on a daily basis. Business insurance, covers many different aspects a business would need coverage for. For example business insurance can help your business in the following situations:

• Protects against loss or damage to the business location and its contents.
• Protects your business if it would be sued.
• Coverage of business vehicles used.
• Coverage of employee injuries on the job.
• Covers your business in case there is an interruption of business.

Our experts can go over your business model and let you know about all the different business insurance plans and how each kind works for you best. There are many types of business insurance programs that can cover you no matter what type of business you are in. Call 201-706-3493 today for a custom business insurance plan that fits your business

Auto Insurance

Car insurance plans are designed to help cover potential car-related damages, loss or injuries from a financial perspective. Maintaining proper insurance not only helps protect you and your vehicle in the case of accident, but it also serves to protect your passengers, other drivers, pedestrians and property. Additionally, car insurance helps protect you in the event of a lawsuit associated with an incident involving your car.

With so many car insurance companies available, as well as various coverage options to choose from, it’s easy to get overwhelmed when deciding which particular company and insurance plan is a good fit for you. But with Hometown Insurance Services, each client’s individual needs are considered and the process of obtaining affordable insurance is a quick and easy process!