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You work hard to save for and invest in your dream home, car, or business. Having the right type of insurance policy in place to cover damages to your personal investments is essential and offers peace of mind. Kirk Insurance Agency in Spearman and Perryton, TX, specializes in providing customized insurance quotes designed for the unique needs of their clients. Below, the family-owned firm shares a few of the most common types of policies for those who want comprehensive coverage.

4 Most Common Insurance Plans

Car Insurance

If you drive a vehicle, you will most likely need car insurance. States typically require liability coverage, which pays for damages caused by drivers in accidents involving other drivers. A standard policy generally pays for a range of expenses, including bodily injuries, medical expenses, vehicle damage, and any legal claims. If a vehicle is being financed through a bank or other lender, the driver may be required to have additional coverage beyond what their state mandates.

Home Insurance

Another common policy is home insurance. Most plans will cover damage to a house, its surrounding property, and personal possessions. Depending on the amount of damage, insurance carriers may either pay for the repair or replacement costs. Policies also include payment for injuries that occur in and around a policyholder's house. Mortgage lenders often require homeowners to have coverage until the loan is paid off in full.

Life Insurance

insurance quotesIf you're married or have children, life insurance helps provide financial protection for family members. Policies are typically used to pay off outstanding debt, lost income caused by a disability, or even for college education expenses. There are a number of coverage options available tailored to payment preferences and plan terms. An experienced agent can provide insurance quotes to find the most affordable life insurance plans.

Business Insurance

From office buildings to company vehicles, business insurance can cover a wide range of items. Depending on the type of policy, coverage may include workers compensation, which pays for medical expenses of employees injured on the job. Business insurance plans can also extend to injuries caused by defective products and damage linked to theft and other criminal activities.

Kirk Insurance Agency is your trusted source for all your insurance needs. The team of agents has the extensive experience and knowledge to help you secure affordable and comprehensive coverage. For free, no-obligation insurance quotes, call the Spearman office at (806) 659-2794 or the Perryton office at (806) 435-2900. Visit the website for information on policies to protect you, your loved ones, and your properties.

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