Comprehensive Insurance Survey

Buying insurance is often a complex and confusing transaction for the consumer.  Laws and regulations pertaining to contracts of insurance are constantly changing, so it is no surprise that consumers are at a disadvantage when it comes to buying appropriate protection for their assets.  A survey conducted by the O’Meara-Sumnar Insurance Agency should provide you […]

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Purposes of Having Life Insurance

While there are many different types of life insurance products, they all serve a similar purpose: financial protection for your family.   There are products available that simply pay a death benefit for bill and expenses.   Others provide funds for retirement, college education and other needs for your family if you die.   Still other products simplify […]

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Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often […]

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Business and Commercial Insurance

Commercial Auto As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many […]

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Homeowners Insurance Information

What is Homeowners insurance? Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or […]

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