Coverage Types

In today’s fast-paced environment, it is becoming more important than ever for businesses to have insurance that keeps pace with evolving risks. From core property casualty products such as auto, general liability, umbrella excess liability, property insurance and workers compensation to specialized coverages including errors and omissions liability and business interruption, Melo stands ready to partner with you and your business for the protection you need. Our broad array of product offerings is sure to meet your needs whether you are a sole-proprietor, a midsize company, or a growing business with unique insurance requirements.

We can offer customized solutions for:

• Office Buildings
• Condominiums
• Restaurants
• Franchised Auto & Truck dealers
• Manufacturers and Printers
• Technology Service Providers
• Churches
• And much more

We have chosen Hagerty to ensure your collector autos. Most collectors like yourself know Hagerty as a trusted name in the business. Now you can have one agency insure all of your trusted assets – including your collector vehicles.

Features that set Hagerty apart when it comes to insuring your collector autos:

• Low Premiums—On average, a Hagerty policy is 37%* less expensive than a regular use policy. For instance, a stock 1967 Camaro valued at $30,000 costs just $273/year.**
• Agreed Value Coverage—Most auto insurers determine what they — not you — believe is the “Actual Cash Value” of your vehicle at the time of the loss. Others may offer a pre-determined, “Stated Value” which covers you “up to” your policy amount minus depreciation. Hagerty offers an “Agreed Value” determined between you and us when you insure your vehicle. You have a total covered loss and that amount is what you receive.
• Repair Shop of Choice—You don’t trust your babies to strangers, so neither do we. When you have a covered claim on your Hagerty policy you can take your collector car to your favorite repair shop. Or do the work yourself and we’ll pay you for your time.
• In-House Claims—We want your claim handled by a collector insurance expert, so most claims are managed at Hagerty. We’re here for you, seven days a week during the busiest hobby months, April-October.
• Hagerty Plus & Roadside Assistance—Hagerty provides low cost, convenient roadside assistance options and Hagerty Plus offers additional resources geared to the interests and lifestyles of collector car enthusiast like you. Read more »
• Flexible Usage—Cars were made to be driven. So our policy allows for an occasional leisure drive, not just to parades or car events. We encourage limited pleasure use with no fixed mileage limits.
• Restoration Coverage—You can protect your classic and its increasing value during an active restoration project easily, without a lot of additional time and paperwork.
• Instant New Purchase Coverage—Did you get carried away at an auction? Your existing Hagerty policy includes 30 days of coverage for up to $50,000 in value on your existing Hagerty policy.

Homeowners Policy Protects:

• Your Home
• Detached Structures, such as a garage or shed.
• Personal Belongings, including furniture, clothing, appliances and much more.
• Loss of Use, for living expenses, when the home is damaged and uninhabitable.
• Personal Liability, that protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home.

Unmatched Selection of Coverage Options:

• Contents Replacement. Provides full replacement cost for personal belongings.
• Additional Replacement Cost Protection. Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
• Personal Injury. Protects you against libel and slander.
• Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
• Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
• Personal Articles Floater. Provides even more comprehensive coverage that the Valuables Items Plus endorsement. It is the right coverage for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either Homeowners policy or Valuable Items Plus endorsement.
• Umbrella Policy. Offers an additional $1 million to $5 million of liability protection.
• Flood Coverage. Flood damage is typically not covered under a homeowners policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
• Pleasure Boat Insurance for small watercrafts

• I want to be certain that my children won’t have to pay for my care when I’m old.
• I want to know that my family will be taken care of if something happens to me.
• I want a steady and dependable income that will not run out during my retirement years.

If any of these describes you, Melo can provide peace of mind through a vast array of insurance offerings.

Term Life

 Insurance provides the maximum benefit for the least cost. Melo can offer terms anywhere from 5 to 30 years and will search out the best value for your specific need.

Permanent Life

 Insurance (or whole life) combines insurance with an investment tool that builds value over time.

Annuities

 are contracts that provide a stipulated sum payable at certain regular intervals during your lifetime. If structured correctly, an annuity will insure that you do not outlive your retirement.

Long Term Care

 insurance provides a benefit to pay for the cost of a broad range of medical and personal services for individuals who need assistance with daily activities for an extended period of time.