Bilu Insurance Solutions

Dwelling (Structure) – Your home’s structure against covered perils like fire, wind, and theft.
Other Structures – Fences, sheds, and detached garages.
Personal Property – Furniture, clothing, and electronics at home or on the go.
Loss of Use – Additional living expenses if your home becomes uninhabitable.
Medical Payments to Others – Small medical claims if a guest is hurt at your home.
Personal Liability – Bodily injury or property damage to others, on or off your property.
Scheduled Personal Property – Extra coverage for jewelry, watches, art, and collectibles.
Replacement Cost on Contents – Pays to replace items new, not depreciated value.
Water Backup – Sump pump/sewer backup (add-on where available).
Renters Insurance – Affordable protection for tenants: personal property + liability.

Liability – Covers injuries or property damage you cause to others (required by law).
Collision – Pays to repair or replace your vehicle after a crash.
Comprehensive – Non-collision losses: theft, fire, vandalism, hail, flood, animals.
Uninsured/Underinsured Motorist – Protects you if the at-fault driver has little or no insurance.
Personal Injury Protection (PIP) / Medical Payments – Medical bills for you and your passengers, regardless of fault.
Roadside Assistance – Towing, lockout, jump start, and more.
Rental Reimbursement – Pays for a rental while your car is in the shop after a covered loss.
Gap Coverage – Covers the loan/lease “gap” if your vehicle is totaled.
Rideshare Endorsement – Coverage while driving for Uber/Lyft (when available).
Custom Parts & Equipment – Extra protection for aftermarket upgrades.

General Liability – Third-party bodily injury and property damage.
Workers’ Compensation – Medical costs and lost wages for work-related injuries.
Commercial Property – Buildings, equipment, inventory.
Business Owner’s Policy (BOP) – Liability + property bundled for small businesses.
Commercial Auto – Company vehicles and drivers.
Cyber Liability – Data breach and cyberattack costs.
Business Interruption – Lost income if you must temporarily close.
Professional Liability (E&O) – Negligence/errors in professional services.
Commercial Umbrella – Extra liability limits over primary policies.
Employment Practices Liability (EPLI) – Claims like wrongful termination, harassment, discrimination.

🌊 Flood Insurance

Building Coverage – Foundation, walls, floors, electrical/plumbing/HVAC systems.
Contents Coverage – Personal belongings like furniture, clothing, and electronics.
ICC (Increased Cost of Compliance) – Helps with required elevation or flood-mitigation (where applicable).
Lender Requirement & Waiting Period – Often required by lenders in higher-risk zones; standard waiting periods may apply.
NFIP & Private Market – Options from the National Flood Insurance Program and private carriers.

Individual & Family Health Plans – On-exchange and off-exchange options.
Small-Group Health – Employer plans tailored for local businesses.
Dental & Vision – Standalone or add-on coverage.
Short-Term Medical – Temporary coverage between plans (where available).
Supplemental – Accident, Critical Illness, and Hospital Indemnity to help with out-of-pocket costs.
Medicare Options – Medicare Advantage & Supplement plans for eligible clients.

Term Life – High coverage for a set term at a budget-friendly price.
Whole Life – Lifetime protection with guaranteed cash value.
Universal Life – Flexible premiums and coverage; potential cash value growth.
Final Expense (Burial) – Smaller, affordable policies to help loved ones with end-of-life costs.
Mortgage Protection – Helps protect your home for your family.
Business Uses – Key Person and Buy-Sell funding to protect your company.
Common Riders – Living benefits, waiver of premium, accidental death, and children’s term riders.

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