Our Coverages

Maximize your protection while minimizing your costs through our expert bundling strategies. We specialize in creating comprehensive insurance portfolios that seamlessly integrate home, auto, boat, renters, and personal lines coverage. Our in-house customer care and claims specialists ensure you receive personalized attention and advocacy when you need it most.

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  • L&T provides comprehensive auto insurance options to protect you and your vehicles on the road. Key coverages often include:

    • Liability Coverage:

      • Bodily Injury Liability: Helps pay for medical expenses and lost wages of others if you're at fault in an accident.

      • Property Damage Liability: Helps pay for damage you cause to another person's property (e.g., their car, fence) in an accident.

    • Collision Coverage: Helps pay to repair or replace your vehicle if it's damaged in a collision with another vehicle or object, regardless of who is at fault.

    • Comprehensive Coverage: Protects your vehicle from non-collision incidents like theft, vandalism, fire, hail, falling objects, and animal damage.

    • Medical Payments Coverage/Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault, in an accident (may be required in some states).

    • Uninsured/Underinsured Motorist Coverage: Protects you if you're involved in an accident with a driver who has no insurance or insufficient insurance.

    • Rental Reimbursement Coverage: Helps pay for a rental car while your vehicle is being repaired due to a covered claim.

    • Roadside Assistance: Provides 24/7 help for issues like flat tires, dead batteries, or towing.

    • Specialty Vehicle Insurance: Allstate also offers coverage for:

      • Motorcycles

      • ATVs/Off-Road Vehicles

      • Snowmobiles

      • Boats

      • RVs/Motorhomes

      • Classic Cars

      • Electric Vehicles

      • Rideshare Insurance (for drivers using ride-sharing platforms)

  • L&T offers various property insurance policies to protect your home and belongings:

    • Homeowners Insurance: A standard homeowner’s policy typically includes:

      • Dwelling Coverage: Protects the physical structure of your house and attached structures (e.g., roof, walls, attached garage) against covered perils like fire, theft, windstorm, hail, and water damage from plumbing issues.

      • Other Structures Coverage: Covers detached structures on your property, such as sheds, fences, or detached garages.

      • Personal Property Coverage: Protects your belongings inside and outside your home (e.g., furniture, electronics, clothing) from covered risks like theft, fire, or vandalism.

      • Liability Protection: Helps cover legal expenses and medical bills if someone is injured on your property or if you accidentally damage someone else's property.

      • Guest Medical Protection: Pays medical expenses for guests injured on your property, regardless of fault.

      • Additional Living Expenses (ALE): Covers increased living costs (e.g., temporary housing, food) if your home becomes uninhabitable due to a covered loss.

    • Renters Insurance: Protects your personal belongings, provides liability coverage, and can cover additional living expenses if your rented home becomes unlivable.

    • Condo Insurance: Covers the interior of your condo unit, your personal belongings, and provides liability protection.

    • Landlord Insurance: Designed for those who rent out their property, covering the dwelling, loss of rent, and liability.

    • Flood Insurance: Offered through the National Flood Insurance Program (NFIP), protecting against flood damage, which is typically excluded from standard homeowner’s policies.

  • Allstate also offers specialized and additional protection options:

    • Personal Umbrella Insurance: Provides additional liability coverage beyond the limits of your standard auto and home insurance policies, offering broader protection against large lawsuits.

    • Pet Insurance: Helps cover veterinary costs for unexpected illnesses or injuries for your cats and dogs.

    • Jewelry and Collectibles Insurance: Offers more comprehensive coverage for valuable items that may exceed standard homeowners’ policy limits.

    It's important to remember that specific coverages, limits, deductibles, and available discounts can vary by state and individual circumstances. It's always best to consult with an L&T agent to get a personalized quote and understand the exact terms of any policy.

Learn About Our Coverages