Borealis Insurance offers the following services as well
- Condominium Owner's Insurance
- Flood Insurance
- Recreational Vehicle Insurance
- Wedding/ Special Event Insurance
- Life Insurance
- Disability Insurance
- Employees Benefits
- Long Term Care Insurance
Condo insurance covers your condo unit where your condo association insurance stops. Your association typically insures the physical structure/building and other common areas. Association by-laws vary, but condo owners are generally responsible for the interior of their unit, or from the drywall in. Things like your floors, walls, cabinets and fixtures that your association’s insurance likely doesn’t cover. Getting a copy of those by-laws is a good idea so you can understand what your responsibilities are in the event of a claim. We can help you understand the fine print. It’s also important to understand that some town-homes are insured like condos, and therefore require a condo policy. If you live in a town-home, be sure that you have the correct type of insurance.
When most people think of a flood, they might think of events like Hurricane Katrina, or Hurricane Sandy. These were huge devastating storms that caused billions of dollars in damage. In reality, most floods are caused by far less catastrophic situations. In fact, it only takes a few inches of standing water to cause tens of thousands of dollars and homeowners insurance does not cover flood damage. Flood insurance policies also reimburse you for the work that you and other family members did to sandbag your homes, move furniture and remove debris. If you live in certain flood zones, your mortgage company may require that you purchase a flood insurance policy.
Recreational Vehicles Insurance
Street, Classic, and Custom Motorcycles. Whether you're an avid enthusiast or the casual rider, choose the option to have the best coverages available to you.
Off-Road / All-Terrain Vehicles
Spend your afternoons, weekdays, or holidays on the country road feeling the rocky trail at your fingertips? Having the right coverage determines if you can get back on the horse, or permanently fall off.
Sailboat / Motorboat
Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.
This is usually categorized as Class A, B or C, with Class A considered more luxurious, Class B more conventional vans with raised roofs and Class C characterized by its attachment to a truck.
Whether you're just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you, you still want to know that you have comprehensive Travel Trailer insurance coverage in case something happens.
Wedding and Special Event Insurance
Wedding insurance is special event insurance that provides coverage for wedding mishaps such as venues closing, vendor no-shows, extreme weather, damaged gifts, sickness or injury and more. Optional liability and liquor liability coverage are also available to protect your interests from unfortunate mishaps such as a slip and fall or damage to property at the event. Make sure your wedding/special event insurance has your big day protected for those "just in case" moments.
Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost-effective ways to protect the people who depend on you financially.
- What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?
- Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?
- If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.
- One of the benefits of working with an independent agent like us is that we can sit down, and through a comprehensive needs analysis, determine the exact amount of coverage you will need to protect the people who depend on you. (Hyperlink that says more information and goes to: http://www.northstarfinancial.com/products-services/life-insurance/)
Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65. Makes a convincing case for having disability insurance, right? Disability Insurance is critical in ensuring that your income is protected in the event you can no longer work due to an injury or illness. If you search the internet you’ll see a ton of different results from companies and brokers claiming to offer the best policy, but it’s important that you understand this type of coverage before you make a decision. (Hyperlink that says more information and goes to: http://www.northstarfinancial.com/products-services/disability-insurance/)More Information
Employee BenefitsMore Information
Are you a business owner looking for a more cost effective, or benefit rich employee benefits plan? We can help.
If you know anything about employee benefits coverage, you know that over the past few years plans have been changed dramatically with higher deductible, HSA compatible plans replacing the traditional, HMO/PPO plans. If you’re not familiar with the differences, you can easily make a mistake that cannot be undone for up to a year. This outcome is problematic for many reasons, but even more so if you have multiple employees relying on you to offer them the best possible coverage. (Hyperlink that says More Information and goes to: http://www.northstarfinancial.com/products-services/employee-benefits/)
Long-Term Care Insurance
Long-term care is typically funded using a combination of sources including but not limited to family members, Medicaid, long-term care insurance and Medicare. One of these includes out-of-pocket spending, which often becomes exhausted once an individual requires more medical attention throughout the aging process and might need in-home care or be admitted into a nursing home. For many people, out-of-pocket spending for long-term care is a transitional state before eventually needing Medicaid coverage. Personal savings can be difficult to manage and budget and often deplete rapidly.
Through a comprehensive financial review, we can assess the amount and the right way to save for the future.Get started on a Quote Today!