Luis Carmona Agency Inc

Home Insurance

What is Home Insurance?

Home insurance, also commonly known as homeowner’s insurance, is a type of property insurance that covers a private residence. 

Typical Home Insurance Coverages

Section I — Property Coverages

  • Coverage A – Dwelling
    Covers the value of the dwelling itself. Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. 
  • Coverage B – Other Structures
    Covers unattached structures on the premises set apart from from the dwelling by clear space are covered. Up to 10% of coverage A’s limit of liability, on a replacement cost basis. 
  • Coverage C – Personal Property
    Covers unscheduled personal property owned or used by an insured while it is anywhere in the world to 50% of the Coverage A limit, but on an Actual Cash Value basis. 
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented.

Section II — Liability Coverages

  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer’s own expense.
  • Coverage F – Medical Payment Can help pay for small injuries that happen to your guests on your property, regardless of who is at fault.

What is Renters’ Insurance?

Renters’ insurance is an insurance policy which provides most of the benefits of homeowners’ insurance. This includes liability insurance. The tenant’s personal property is also covered against named perils such as fire, theft and vandalism. Renters’ insurance does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure. The owner of the building is responsible for insuring it, but bears no responsibility for the tenant’s belongings

Qué es el seguro de inquilinos?

El seguro para inquilinos es una póliza de seguro que brinda la mayoría de los beneficios del seguro para propietarios de viviendas. Esto incluye seguro de responsabilidad civil. La propiedad personal del inquilino también está cubierta contra peligros nombrados como incendio, robo y vandalismo. El seguro de inquilinos no incluye cobertura para la vivienda o estructura, con la excepción de pequeñas modificaciones que un inquilino le haga a la estructura. El propietario del edificio es responsable de asegurarlo, pero no se responsabiliza de las pertenencias del inquilino.

Luis Carmona Agency Inc

Renters Insurance

Luis Carmona Agency Inc

Auto Insurance

Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. 

Auto insurance may also offers financial protection against theft of the vehicle and damage to the vehicle, sustained from things other than traffic collisions.

Auto Insurance Coverages

There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

Bodily injury liability, Medical payments or Personal Injury Protection (PIP), Property damage liability, Collision, Comprehensive, Uninsured/Underinsured motorists coverage.

El seguro de automóvil también puede ofrecer protección financiera contra el robo del vehículo y los daños al vehículo, sostenidos por cosas distintas a las colisiones de tráfico.

Coberturas de seguro de automóvil
Hay básicamente seis tipos diferentes de coberturas. Algunos pueden ser requeridos por ley. Otros son opcionales. Ellos son:

Responsabilidad por lesiones corporales, Pagos médicos o Protección contra lesiones personales (PIP), Responsabilidad por daños a la propiedad, Colisión, Integral, Cobertura de conductores sin seguro.

Luis Carmona Agency Inc

Boat Insurance

When’s the last time you reviewed your boat insurance policy?

Boat insurance protects a boat, its owner, and passengers in the event of a loss. 

Boat insurance can include all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

Boating Insurance Coverages

Liability Coverage, Collision Coverage, Comprehensive Coverage, Uninsured or Underinsured Boater Coverage, Medical Payments,  On-Water Towing and Labor Coverage, Fishing Equipment Coverage, Personal Effects Coverage.

Cuándo fue la última vez que revisó la póliza de seguro de su embarcación?

El seguro de embarcaciones protege a una embarcación, a su propietario y a los pasajeros en caso de pérdida.

El seguro de embarcaciones puede incluir todos los vehículos acuáticos motorizados, incluidos, entre otros, barcos de pesca, pontones, yates y motos acuáticas.
Coberturas de seguro de navegación:

Cobertura de responsabilidad civil, Cobertura de colisión, Cobertura completa, Cobertura para navegantes sin seguro o con seguro insuficiente, Gastos medicos, Cobertura de mano de obra y remolque en el agua, Cobertura de equipo de pesca, Cobertura de efectos personales.

Luis Carmona Agency Inc

Motorcycle Insurance


Motorcycle insurance is mandated in nearly every state. If you ride without insurance, you could get a fine, have your license revoked, be sued, or even land in jail. While most states require a minimum amount of liability coverage, comprehensive and collision coverage are optional unless you’re financing your bike, in which case your financing company may require those coverages. Even when motorcycle insurance isn’t required, carrying a policy can be critical in protecting your bike against damages and your assets if you’re liable in an accident.

What does motorcycle insurance cover?

Motorcycle insurance covers mishaps that can happen while you’re on or off the road. Here are the most common coverages on a motorcycle policy:

Liability, comprehensive, collision, uninsured/underinsured motorist property bodily injured and property damage and medical payments.





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Business Owners Policy

If you’re running a small business like a restaurant or shop, BOP is very useful for you. It includes insurance for general liability, commercial property, and business interruption – in case a short circuit leads to a fire taking place or maybe flooding due to rain.