PERSONAL INSURANCE
We have the ability to do quick quotes for most types of personal insurance. You will find the button to start this process on our “Get A Quote” page.
Homeowners Insurance : Homeowners insurance covers destruction and damage to a residence’s interior and exterior. The policy will provide personal liability for harm to others as well as coverage for the loss of your possessions. Three types of coverage exist: actual cash value, replacement cost, and extended replacement cost/value. Discuss your needs with one our agents today to get the best coverage for you.
Automobile Insurance : Automobile insurance can provide up to six kinds of protection but Liability coverage is mandatory in every state. We can explain what each type of protection provides and get you a cost for each one. Most insurers will provide a discount when you insure both your home and auto together. We have carriers that cover antique and collector cars specifically.
Flood Insurance : Forty percent of all flood claims come from areas that are considered low risk flood areas. Most homeowner policies do not cover the risk of flooding. Flood Insurance is a separate policy that will protect your home and contents. Some mortgage carriers make this protection mandatory based on which flood zone you live.
Boat/Watercraft Insurance : This coverage works a lot like Automobile coverage but it is broken down into Boat Insurance. Yacht Insurance, Watercraft Insurance. Each of these are a separate policy with very specific coverages.
Motorcycle Insurance : Whether you have a custom bike or totally stock, brand spanking new or gently used, we have the right coverage for you and your bike. Call us today and lets protect your baby.
Motorhome/RV Insurance : There are major differences in policies for travel trailers versus motorhomes. Don’t get caught without the protection you need. Lets set a time to discuss your needs.
Umbrella Insurance : Accidents happen and if your net worth is greater than your liability insurance coverage you may need an umbrella policy to protect your assets and finances in the event you are found liable of a catastrophic loss.
Renters Insurance : Whether it is a house, condo or an apartment, Renters Insurance can protect your valuables in the event of theft or destruction from a disaster as well as providing you with liability protection. Having this coverage and auto coverage with the same company may qualify you for a premium discount.
Life Insurance : This type of insurance will provide financial assistance to your loved ones in the event of your death. It can be the blessing that provides education for your children, an income that provides a home and transportation. It replaces the lost income from your demise.
Disability Insurance : If an illness or a physical disability prevents you from being able to work Disability Insurance may be of financial help to you. However, you have to purchase the policy before you become disabled.
Annuities : An annuity is a financial contract between you and an insurance company. There are many different types of annuities and they can become very complicated. We recommend that you read IRS Publication 575, Pension and Annuity Income. We would also ask that you set aside time for at least three appointments for our agent to answer your questions and for us to provide you with adequate information for you to make a good decision.
Condominium Insurance : Your Condominium Association will have an Insurance policy that covers the outside of the building but you as the Condo owner must have insurance coverage that protects the inside of your condo both building and contents. Your personal condominium policy will also provide liability protection.