Rda Insurance Agency

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(508) 673-5808Call Visit WebsiteVisit Website Map & DirectionsDirections140 Purchase StFall River, MA 02720 Write a ReviewWrite Review

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TollFree: (800) 951-2100

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Rua Insurance Agency

Giroux Audet Rua Insurance Agency Inc

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http://www.rda-insurance.com/index.aspx?sid=65124

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Insurance, Auto Insurance, Business & Commercial Insurance, Flood Insurance, Health Insurance, Homeowners Insurance, Liability & Malpractice Insurance, Life Insurance, Long Term Care Insurance, Motorcycle Insurance, Renters Insurance, Workers Compensation & Disability Insurance

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Phone: (508) 673-5808

Address: 140 Purchase St, Fall River, MA 02720

Website: http://www.rda-insurance.com/index.aspx?sid=65124

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Rda Insurance Agency

Auto Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Motorcycle Insurance

Renters Insurance
This provides coverage for the theft of personal items in your car. However, if you have homeowners or renters insurance, you may be covered for items stolen from the car, minus your deductible. You need to have receipts or other proof of ownership. This type of insurance usually costs about $1.25 per day. Some rental car companies combine personal accident and personal effects coverage together as one type of insurance, while others sell it individually.
Home Insurance
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Health and Life

Life Insurance
We strongly recommend that you discuss your requirements with a qualified financial adviser, who can take into account your personal financial position and can help you choose a strategy that suits your own personal circumstances. Life Insurance Needs
Health Insurance
This provides coverage to you and your passengers for medical/ambulance bills. This type of insurance, usually costs about $3 per day, but may be unnecessary if you are covered by health insurance or have adequate medical coverage under your auto policy.
Disability Insurance
A BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'll need separate policies for these coverages.
Long Term Care
2. The odds are one-in-three that a man over 65 will need long-term care; for a woman over 65, the odds are one in two.

Business Insurance
Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. (They also sell coverages separately.) One package purchased by small and mid-sized businesses is the businessowners policy (BOP). Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.
Workers Compensation Insurance
BOPs do NOT cover professional liability, auto insurance, worker's compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.
Professional Liability Insurance
Professionals that operate their own businesses need professional liability insurance in addition to an in-home business or businessowners policy. This protects them against financial losses from lawsuits filed against them by their clients.

Liability Insurance
Liability limits generally start at about $100,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.

Natural Disaster

Flood Insurance
Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That's because lenders need to protect their investment in your home in case your house burns down or is badly damaged by a storm, tornado or other disaster. If you live in an area likely to flood, the bank will also require you to purchase flood insurance. Some financial institutions may also require earthquake coverage if you live in a region vulnerable to earthquakes. If you buy a co-op or condominium, your board will probably require you to buy homeowners insurance.

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