- Home and Renters Insurance
- Auto Insurance
- Boat and RV Insurance
- Personal Umbrella Insurance
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We offer a full range of insurance to help protect you and your family.
Protecting your family and home is vital. We understand that you want to have the best insurance, but not pay an exorbitant amount. We provide top-notch coverage and best of all we do this by offering affordable rates and great customer service. Now that’s peace of mind! Click below to learn more about our product offerings or call or click to get a free quote today.
Home Owners Coverage
If you own a home, homeowners insurance is essential. It is not required by law, but it is required by most banks issuing mortgages on your home. Homeowners insurance is designed to pay for damages to your home and its contents. It can also protect you from financial liability if someone else is injured on your property. This can include legal defense costs if you are taken to court. For example: if a branch from a tree on your property were to fall onto your neighbor’s home your homeowners insurance would cover the cost of the property damage and any injuries that may occur.
Your landlord’s insurance does not cover your personal property. A renters policy covers your personal belongings such as your clothes, furniture, television, bicycle and other items. Renters Insurance protects you against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage from plumbing. It covers your responsibility to other people injured at your home and includes legal defense costs if you are taken to court.
You will need two separate policies to protect your investment. You will need your own insurance policy which will provide coverage for your personal possessions, structural improvements to your unit and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You will also need liability protection. A “master policy” provided by the condominium association. This will cover the common areas you share with others in your building like the roof, basement, elevator and walkways for both liability and physical damage.
A form of insurance designed to reimburse property owners from loss due to a flood.
One of your biggest exposures is when you are driving. Without the proper protection, you can lose everything that you own.
Automobile Liability provides protection against financial loss from claims or suits for Bodily Injury and/or Property Damage arising out of your ownership, maintenance or use of vehicles.
Uninsured Motorists Liability
Uninsured Motorists Liability Protects insureds who are not contributorily negligent against bodily injury caused by negligent uninsured motorists.
Medical Payments Provides coverage for any Medical Expenses involved for any injury caused by an Vehicle.
Rental Car Coverage
Rental Car Coverage Provides reimbursement for cost of renting a replacement vehicle while your vehicle is being repaired after a covered loss.
Towing / Labor
Towing / Labor Covers the cost of towing your damaged vehicle to a repair facility in the event of a covered accident.
Motorcycle Insurance In most states, the same financial responsibility laws that apply to cars apply to motorcycles. Auto insurance and Motorcycles share many similarities. Full coverage insurance is mandatory when financing a new motorcycle. Whether you’re touring, cruising or just out for a spin, with the proper motorcycle insurance you’ll know you’re protected should something unexpected happen.
“Toys” are for fun and relaxation. But, when accidents happen they can become liabilities without the proper insurance.
Boat and Personal Watercraft
Boat and Personal Watercraft Did you know that your standard homeowners insurance only provides limited coverage. Depending on the size of your wartercraft, the liability coverage may be excluded entirely. There are many different types of watercraft coverage that can be matched to meet your needs. Boat and watercraft owners should consider purchasing their insurance from underwriters who understand the need for unique insurance coverage’s, specifically to protect boat owners.
RV Coverage We can help you protect your investment and RV lifestyle. If you are financing your motor home, you will be required to provide physical damage coverage for protection against direct, sudden and accidental loss. You may also want to discuss Campsite/Vacation Liability which will provide you with liability coverage when you are parked and using your motor home as a residence. We have policies that provide important standard and optional coverage, and provide the type of coverage that give you peace of mind so you can sit back and enjoy your trip.
How much is enough? A Personal Umbrella increases your limits of coverage.
An Umbrella policy, as they are also known, supplements the liability coverage you already have through your home and auto insurance and provides an extra layer of protection. For example, if you don’t have enough liability coverage to resolve a claim or a lawsuit, the person bringing the action might go after your home or your other assets to pay for the damage. Umbrella policies cover damages claims that you, your dependents, or even pets may cause up to the policy limit.