Automobile Insurance
We offer customizable auto coverage that fits your life and protect against unexpected.
All it takes is 15 minutes and you can have a personalized car insurance quote that factors in the best rates, discounts, and options available to you.
How to get your personalised car insurance and what all you need?
Our Pinnacle team will assist you in getting your personalised auto quote. In fact you can get your free quote right on this page. All you need is your valid driver’s licence number, Your vehicle VIN and your present garaging address. We are happy to explain the coverage options.
Types of Coverages:
Liability Coverages
Liability coverage has two components:
- Bodily injury liability may help pay for costs related to another person’s injuries if you cause an accident.
- Property damage liability may help pay for damage you cause to another person’s property while driving.
- You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.
Uninsured/Underinsured Motorists
If you are hit by a driver who doesn’t have insurance, uninsured motorist coverage may help pay for your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, that means they have car insurance but their liability limits aren’t enough to cover your resulting medical bills. That’s where underinsured motorist coverage may help.
Emergency roadside assistance
Medical Coverage
If you, your passengers or family members who are driving the insured vehicle are injured in an accident, medical payments coverage may help pay for costs associated with the injuries. Covered costs may include hospital visits, surgery, X-rays and more.
Medical payments coverage is required in some states and optional in others.
Personal injury protection, or PIP, is only available in some states. Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, PIP may also help cover other expenses incurred because of your injuries — for example, child care expenses or lost income
Vehicle Coverage
Collision coverage
If you are involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help pay to repair or replace your car (up to its actual cash value and minus your deductible).Collision coverage is typically optional. It may be required, however, by your vehicle’s leaseholder or lender.
Comprehensive coverage
Comprehensive may help cover damage to your car from things like theft, fire, hail or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s actual cash value). This coverage has a deductible, which is the amount you’ll pay out of pocket before your insurer reimburses you for a covered claim. Comprehensive is typically an optional coverage, but your lender may require it if you’re leasing or paying off your vehicle.
Rental Reimbursement
Discounts you can avail:
- Keep more of your hard-earned dollars: Save your insurance premium by availing these discounts
- Safe driving mobile app
- Bundle policies-save as much as 15%
Mobile app and bundling the policies are the best ways to save on insurance premium
Homeowner Insurance
There is no place like home whether it’s a house, condo or apartment.
Home is often one of the largest investment deserving protection that only an experienced insurance professional can provide. Pinnacle can help you find the best insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and competitive pricing.
Our insurance carriers are highly rated for your security.
Home insurance in addition to the property and liability coverages, there are medical payments for guests to the property and loss of use of your property. An insurance company can even house you and provide emergency expense coverage.
- The first coverage part is your property insurance for the house and property damage provides coverage for loss caused by wide variety of perils which includes fire, wind, hail, water damage (unless excluded by your policy), detached structures and contents that includes items like furniture, appliances, clothing and more.
- Discounts on things you already have
- Prompt and professional customer service
What does home owners insurance policy cover?
Personal Liability
Could help with medical expenses or property damage to others caused by you or members of your household, including pets. Personal liability could also help with legal expenses in the case of a lawsuitAdditional Expenses
When experiencing a covered loss, this coverage bears your extra bills you might have to pay
Medical Coverage
Covers medical payments for minor injuries to people who don’t live with you but get hurt on your property.
Discounts
Multipolicy discount when insuring your car with us and having homeowners as abundle policy.
Home security system:
Alarm system, smoke detection alarm and fire extinguishers save life and help you save money in your insurance.
Dwelling Fire Insurance - Investment Properties/Landlord Insurance/Tenant/ Condo :
DP1:
Is vacant property insurance and offers the minimum coverage amount .Your home structure is insured at actual cash value not the replacement cost.
Covers only named perils that are listed in the policy usually like fire, smoke, wind and hail, lightning, explosion, aircraft, vehicles hitting the house, volcanoes, vandalism, riot.
DP1 does not cover the following:
- Water damage: most frequent homeowners insurance claim
- Theft
- Weight of ice,sleet, or snow
- Freezing pipes
- Appliance- related damage
- Falling objects, falling trees
- Power surge
DP2:
Is a type of property insurance that covers rental properties for 18 different types of damage. Replacement – cost basis coverage is provided through DP-2.
DP3:
Landlord property insurance where the home owner rents out the property but doesn’t live there.
DP3 is an Open Peril Policy which covers everything listed above unless your policy documents stated exclusions; this policy covers any type of damage outside of the perils.
So, the general thumb rule for taking a home insurance either DP1 or DP2 depends on if you are living in the home full time and you are renting it out in a landlord arrangement you need DP-3 and if the property is vacant for the next 30 days and need insurance you have to get a DP-1 policy.
Coverage differences between DP-1 and DP-3
| DP-1: Vacant | DP-3 Landlord | |
|---|---|---|
| Building covered | Actual cash value | Replacement Value |
| Perils Covered | Named Perils | Open Perils |
| Loss of rents | Not Included | Optional |
| Liability Coverage | Optional | Optional |
| Water damage | Not Included | Optional |
What can be as add-on purchases with your home insurance:
- Flooding
- Mold
- Replacement Costs
- Personal Umbrella
- Sewage Back-up/Sump Pump
- Identity theft
- Home daycare
- Earthquake
- Lateral line coverage
Umbrella Insurance
You may also want to compare prices on umbrella policies when you get other types of insurance. Umbrella insurance gives you extra liability coverage that exceeds your homeowners, car, or boat policy. Once the liability limits on those policies have been hit, your umbrella policy will be activated. These policies will cover liability related coverage for situations like: Rental units, accusation of libel or slander, and false arrest. The umbrella policy will fill gaps in your existing policies.
Renters Insurance
Get insured for your own personal belongings as your landlord is not responsible for your stolen or damaged belongings. We at pinnacle provide best Tenant policy with very affordable rates.
Condo/Co-Op Insurance
Insuring your condo is a smart decision.The cost of the coverage will vary based on the size and value of your condo and other factors. Naturally you want the right mix of your policy coverage from a company that can afford to pay your claim if any unexpected event.
Events Insurance
Events on a commercial scale require planning, precision, and a safety-minded attitude. Whether you are planning a corporate event, sports event, concert, music festival, motorsports event, or any other form of entertainment, Pinnacle insurance can help you mitigate the risks associated with having so many people congregated in one place.
Watercraft / Boat Insurance
In the event of boating accidents or natural disaster that damages your boat, boat insurance helps protect you from the financial loss and acts as a contract between you and the insurance company. Everyone wants to have a safe experience while they’re out on the water, but operating a boat does come with some risks that could result in costly injuries and damages. Insurance could help cover you, your passengers and your boat as well as other people and their property.Pinnacle offers coverage for sailboats, powerboats, houseboats, inboard or outboard motorboats and personal watercraft.
Pet Insurance
- Read reviews from pet owners
- Tell us about your pet
- Select the level of coverage
- Choose best police you want
Specialty Homes (antique/mobile/manufactured) :
Antique Home Insurance
Many insurance companies hesitate to cover older or lower-valued properties, but we’ve created specialty policies specifically for these types of homes, and we’re ready to help cover your property where others won’t.
Mobile/Manufactured Home Insurance: We offer one of the basic HO7 specifically designed to cover mobile and manufactured homes.
Personal Umbrella: Protect your home, auto with an Umbrella Policy
Flood insurance
We offer2 types of Flood Insurance certified through NFIP one is on the dwelling itself called building property insurance and another that covers personal property.
Motorcycle Insurance
It is required for motorcycle riders to buy liability coverage and that type of insurance compensating others for injuries and damages should you cause an accident. Outside of state’s minimum requirements, motorcycle insurance coverage can be as broad or as small as you would like it. Pay attention to discounts and benefits that can offer you more protection for less money.