847-496-4255
AXIS INSURANCE SERVICES, INC​


Insurance Policies
Full suites of insurance products
Auto Insurance isn't just a good thing to have to protect you financially in the case of an accident - in many states it's required.

All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage.

Make sure you understand what these terms mean and how much coverage is right for you.
Standard and Preferred auto Insurance
High Risk auto Insurance
Classic autos / High Valued autos
Special program for Mature/Elderly Drivers
Discounts that are available
Recreational vehicles / Boats

Coverage options:
Collision and comprehensive (other than collision) coverages
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive (other than collision) coverage insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your car is damaged, the Insurance company pays only for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Liability coverage
Liability coverage pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an automobile accident.

Medical Payments coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.

Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.

Uninsured/Underinsured Motorist coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.

Optional coverage
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.

How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.

The coverage you have depends upon the type of policy you have. Unlike auto insurance, where the policies are pretty much the same, homeowners policies can be quite different, depending on the "form" number. The most common types of homeowner policies are:
HO1 Basic or Standard policy
HO2 Broad form
HO3 Special (also called Deluxe, All Risk)
HO4 Renters policy
HO5 Enhanced Special Coverage
HO6 Condo policy
HO8 Older Home Policy

All homeowner policies are "package" policies. You get a group of coverages packaged into your policy for one overall premium. They include coverage on your building, your contents (furniture, clothing, etc.) and liability insurance in case you are sued, under the same policy. The property coverage is shown under Section 1, while the liability coverage is described under Section 2.

There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations:

A typical policy consists of three things:
1. The Declarations Page - that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.
2. The Policy Booklet - printed pages that contain the details of coverages and exclusions.
3. Endorsements - separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.
Sometimes you are only given the original policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It's a good idea to save the original policies should you ever need to refer to them.

More Detailed Information:

The HO1 policy is very limited in coverage and is not being sold by most companies.
The HO2 policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles. It also adds additional coverage to broaden your policy. Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limit electrical damage to appliances and others.

The HO3 policy is, by far, the most commonly sold policy. It covers everything the HO2 policy covers and more. Instead of listing the perils that are covered these policies cover all damage to the building except what is excluded. The usual exclusions are: wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others.

Some HO3 policies are referred to as "Deluxe" , "Special" , "All Risk" policies depending upon the company.

Most policies cover your contents or belongings only for the perils named in an HO2 policy so wear and tear and normal breakage is not covered for your furniture and personal belongings.
Be careful! Your homeowner policy limits coverage on some items.

To keep the cost of insurance down your policy probably has limits on certain items. Typical limits are:
Cash - $200
Jewelry - $1,000
Firearms - $2,500
Silverware - $2,500
Check your policy carefully. If you see you don't have enough coverage, find out how much it would cost to increase those limits or to buy special coverage.

Optional Coverage
In addition to special coverage for jewelry, silverware and furs, you can purchase specific coverage for such possessions as stamp or coin collections, fine arts, camera equipment, collectibles, watercraft and musical instruments, just to name a few.

Business Insurance Services
[Business Insurance] Choosing the right business or commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in North Bend area and throughout the state of Oregon.

At Axis Insurance Agency, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements. So give us a call today or fill out one of our free online quote forms.

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Our Business Insurance services include:
Business Owners Packages (BOP)
Commercial Auto
Bonds
Surety
Commercial Building Property
Self Storage
Retail Stores
Store & Lock Centers
Crop Insurance
Church Insurance
Aircraft
Wind
Professional Liability Insurance
Directors & Officers
Painters
Landscapers
Liquor Liability
Oil / Gas Operators
Forestry
Service & Repair Insurance
Auto Body Shops
General Repair Shops
Nursing Homes
General Liability
Contractors
Electricians
Property Managers & Owners
Professional Offices
Plumbers
Retail Stores
Workers Compensation
Group Health
Business Umbrella Policies
EPLI - Employment Practices Liability Insurance
Truck & Trucking
Inland Marine
Restaurants
Bars & Taverns
Crime
Non-Profit
Special Event
Builders Risk
Manufacturing
Benefit Insurance Services
[Benefit Packages] You need to protect yourself, your family and your business, and our Financial Services department offers a full range of coverage options for individuals or businesses in North Bend area and throughout the US.

At Axis Insurance Agency, we strive to find the best benefit plan to meet the needs of our clients and employers.

We understand that today's healthcare costs make it essential to have an affordably priced plan. Our specialists can tailor a package that will satisfy your family or employee needs, while keeping costs to a minimum.

If you are searching for life insurance, health insurance, annuities or group benefits, please contact us or fill out one of our online quote forms.


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Our Benefit services include:
Life Insurance
Universal
Term
Whole
Youth
Key Person
Vision
Health Insurance
Individual
Group
Medicare Supplements