PERSONAL INSURANCE Comprehensive coverage and top notch Insurers backed by excellent service…that’s what you can expect from The BBC&K Agency. Personal insurance is a large portion of our agency. Protecting your family and personal assets including life, health and disability, is all part of the service we provide. We survey your home to determine its Replacement Cost using state of the art software. We do the complete job by personally inspecting your home, including measurements and photos, before computing the total cost to rebuild your home if you suffered the unthinkable - a total loss. We advise you on today’s liability trends and discuss areas of specific concern that you may need to address such as hot tubs, dogs, exotic pets, swimming pools, volunteering for non-profit boards, young drivers and trampolines. All of these may pose additional risk to you that should be addressed in your insurance review. As professionals here at BBC&K, we will always recommend that you carry additional liability protection in the form of a Personal Umbrella Policy. They are designed to protect you financially from a lawsuit stemming from a personal activity or exposure. One million dollars is the entry level, but we can go up to $10 million and possibly beyond if the situation merits it. An umbrella is relatively inexpensive and could be the best money you’ve ever spent as it protects your assets and your future income from the unexpected.           Available Discounts      Remember to ask about these money    saving credits available to you:   Good Student Discount for Teen Drivers with 3.0 GPA or Higher   Auto / Home Discount if both are insured with same carrier   Alarms / Passive Restraint Discount   Good Credit – Which Can Dramatically Lower Your Premiums!   High Deductible Discounts                Other Coverage Worthy of          Your Consideration   Water Backup through Sewers and Drains   Earthquake   Personal Umbrella   Flood Insurance   Specific Coverage for Jewelry, Laptop Computers, Collectibles & Fine Arts