Whether you need insurance for an automobile, truck, motorcycle, boat or many other types of recreational vehicles Ardent Insurance INC can help.

If you own a home, have rental properties, rent a house or an apartment, Ardent Insurance INC can help.

Do you have assets to protect?  Talk to us about an affordable excess liability policy.

When insuring vehicles, there are two types of basic coverages INCluded in most policies:
Physical damage coverage applies to the vehicle you are insuring while liability insurance protects your liability exposure.

With regard to homeowners or landlord insurance policies, the same prINCiples apply; you are insuring your home against physical damage and you also protect your liability exposure.  One difference between vehicle insurance and dwelling (home, rental etc.) policies is that dwelling policies also INClude personal property to cover all the “stuff” you purchase such as clothes, furniture, electronics, valuable possessions, important documents, collectibles, etc.

What is your liability exposure?  This usually depends on your assets.  The more you own the more liability exposure you have.  If you own assets valued at over $1,000,000 dollars then you may want to consider purchasing a excess liability policy.

What ever your situation, and particularly if you are a busy professional, Ardent Insurance INC is motivated to help you find the right policy at the right price.  Let us help you buy a policy from an insurance company that wants your business, and thus, may offer more generous coverage for each dollar spent.

Our basic approach is to focus on value verses price.  Many agents and or carriers can offer a lower price, but are they compromising your coverage?  Most people would not buy an inferior product from a store, so why buy an insurance product that does not do what you are paying for it to do?  Insurance such as auto and homeowners insurance is purchased consistently for most of your life, which is why we feel it is important to consistently look at different policies (we see ourselves as consultants not sales people) and carriers to ensure that the dollars you invest to protect your assets are properly allocated.

Let Ardent Insurance INC help you today with your next insurance policy purchase.