Insurance

Insurance Services

We offer life insurance, annuities, home insurance, auto insurance, and umbrella insurance.

Life Insurance

Preparing for the unforeseeable event of death is beneficial for the lifetime of your entire family. At MM Financial Services, we work with premier insurance companies, the best the industry offers, to guarantee the security of your estate passed down to your loved ones. Receive a quote and know our solutions today.
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Annuities

Let’s discuss annuity. Whether you choose a continuous payment plan or wish to invest a total sum, partner with MM Financial Services. We affirm trust and promising results for your future.
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Home Insurance

Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

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 members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.
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Auto Insurance

What is 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.

Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.
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Umbrella Insurance

Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways:

Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. This protection is designed to kick in when the liability on these other policies has been exhausted.
Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.
What does umbrella insurance cover?

Still a bit hazy on what an umbrella policy covers? Well, let’s dig into the details a bit. Umbrella insurance provides coverage for:

  • Injuries
  • Damage to property
  • Certain lawsuits
  • Personal liability situations listed below
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