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"I have done business with the Conover office of Jason Herman Insurance Agency for over 20 years because of the cheap rates and wonderful customer service. Now it is even more convenient too because of their new Hickory office."

Susan
Newton, NC

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Q: What are some of the additional coverages available on a homeowners policy?
A. Scheduled personal property provides affordable coverage for high value items such as jewelry, watches, antiques, and fine art.

Replacement cost plus
Will pay up to an additional 25% of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.

Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water and sewer backup
Broadens the home insurance coverage for loss due to water and sewage backup through the sewers and drains.

Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances...

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Jason Herman Insurance Services

Auto Insurance free quote
You count on your car to get where you are going. Shouldn’t you have a car insurance policy you can count on, too?

At the Jason Herman Insurance Agency we offer the following coverages, and more, to protect you and your car:

  • Comprehensive Coverage pays for the damage to your vehicle, less your deductible, caused by things other tha n collision or upset, such as the following:
 

- Fire
- Theft
- Vandalism
- Glass Breakage
- Flood
- Hail
- Contact with an Animal
- Falling or Flying Objects

  • Collision Coverage pays for the damage to your vehicle, less your deductible, by collision with another car or object; or caused by upset.
  • Liability Coverage pays for property damage and/or bodily injury when you are responsible for the damage or injury to others.
  • Medical Expense Coverage pays for injuries sustained by your or anyone else in your vehicle, regardless or who is at fault.
  • Towing and Labor Coverage pays a limited amount for labor to tow or repair your disabled vehicle at the place of disasblement. Some examples include:

     

    - Running out of gas
    - Flat Tires
    - Dead Batteries
    - Lost or locked keys

By switching to the Jason Herman Insurance Agency you may not only save money on your auto policy, but also leave feeling safe and confident every time you get behind the wheel.

Motorcycle Insurance free quote
Protect your motorcycle and yourself with motorcycle insurance. The Jason Herman Insurance Agency offers motorcycle insurance coverage for 97% of the cycles on the road – including but not limited to motorbikes, custom motorcycle, and classic motorcycles.

ATV Insurance free quote
With the all-terrain vehicle insurance we offer, you can ride the trails with confidence. We offer ATV Insurance coverage with money-saving discounts to both the experienced and beginner riders.

RV Insurance Coverage free quote
Your RV is more than a vehicle – it’s your home on the road. Protect yourself, your belongings, and your recreational vehicle with Jason Herman Insurance Agency LLC.

Boat and Personal Watercraft Insurance free quote
Cover your boat and personal watercraft on and off the water with boat insurance from Jason Herman Insurance Agency. With our improved boating insurance coverage and competitive pricing, we can cover 95% of all pleasure boats including but not limited to bass boats, ski boats, performance boats, Jet Ski, Sea Doo, and Wave Runners. Because you know that we will be there for you, both on and off the water, you are free to focus on having a good time.

Homeowners Insurance free quote
Protect your home and personal property with the Jason Herman Insurance Agency LLC. You have worked hard for what you have, that is why we provide an all-inclusive homeowners insurance policy, for all of those things we hope never happen, to ensure you that when need most, we will be here for you.

Our Homeowners Insurance coverage can protect you against:

  • Fire and lightning
  • Windstorm and hail
  • Weight of ice or snow
  • Smoke damage
  • Falling objects
  • Damage by freezing
  • Theft
  • Vandalism
  • Accidental water overflow from plumbing
  • Accidental electrical damage to appliances
  • Damage by vehicles and aircraft
  • Personal liability for you, your spouse, relatives living with you and persons under 21 in your care
  • Explosion
  • Riot & Civil commotion

Renters Insurance free quote
If you rent an apartment, house, or even a dorm room, you need renters insurance to protect you and your personal property. Your landlord’s insurance policy doesn’t cover your belongings. In the case of a fire, theft, or weather damage to your personal property, you’ll need the protection of renters insurance. A renters policy will also protect you if are liable for the injury or damage of property to others. Make sure you are protected with the right renters insurance with the Jason Herman Insurance Agency.

Condo Insurance free quote
You’ve worked hard to get where you are, so protect your condominium and personal property with condo insurance from Jason Herman Insurance Agency LLC. Your condo association likely has insurance coverage covering only the common areas and grounds of your condominium complex, if an accident or theft occurs inside your condo, you’ll need additional protection.

Flood Insurance free quote
Many homeowners are unaware that their home insurance doesn’t cover flood damage. Here are a few facts about floods and flood insurance:

  • Floods happen everywhere – Any place can flood under certain conditions
  • Federally backed – All flood insurance is administered by the National Flood Insurance Program
  • Better than a loan – You don’t have to repay flood insurance settlements
  • Faster recovery – under the National Flood Insurance program, your agent can process claims quickly- so you can make repairs and recover faster
  • Cleanup help – Flood insurance covers cleanup expenses, damages to your heating and cooling systems, and repair or replacement of flooring

Personal Umbrella Insurance free quote
Protect your assets with an extra layer of liability insurance coverage. You have protected your car and home, but if the unexpected happened, would you be sufficiently protected? A personal umbrella insurance policy offers an extra layer of protection for your assets if you are liable for a serious automobile accident or an accident on your property.

A personal umbrella insurance policy helps protect your:

  • Wages
  • Home
  • Investments
  • Vehicles
  • Boat
  • And your way of life

Business Insurance free quote
Running a business can be as challenging as it is rewarding; especially when you think about the risks that you face day to day. That is why we, at the Jason Herman Insurance Agency, take the time to evaluate your business and needs to provide high quality business insurance. Then, using a full range of coverage including property, liability, crime, and inland marine our agents develop a customized plan that works for you and is competitively priced. So you can focus on the day-to-day operations, confident that your business is protected in the fullest.

 

 

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