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Home
Insurance
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The main structure of your home as well as secondary structures like, Garage, Barns, Work sheds, etc.
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Replacement cost vs. Actual Cash Value (ACV)
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Personal possessions (Usually a % of the home insurance value - up to a set limit)
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Liability Coverage
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Medical Payments to others
Homeowner’s coverage doesn’t have to be difficult to understand. A basic Homeowners Insurance Policy should address or cover the following items:
You can also add supplemental policies such as:
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Valuable Articles/Floater policies
(i.e. Jewelry Insurance)
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Flood policies
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Umbrella policies (additional liability coverage for accidents related to the property)
Life
Insurance
Life insurance is the foundation for any financial plan and a crucial step in planning for your future and the future of your loved ones.
INSURANCE
HOURS & LOCATION
Location
Hours
Monday - Saturday
9:00 am to 7:00 pm
Click the calendar image below to schedule an appointment
We Also offer the following alternative vehicle insurance:
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Motorcycle Insurance – Ride safe and insure your motorcycle.
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ATV and Motorsport Insurance – Insurance policies that cover all your toys.
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Classic Car Insurance – Your classic car is an icon. Insure it well for the actual value you have in your classic car!
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RV and Mobile Home Insurance – Home insurance for your home-on-the-road.
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Boat and Watercraft Insurance – Insurance coverage for the captain of the ship.
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Commercial Auto, BOP (Business Owners Policy), & Fleet Insurance options are available as well.
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Personal Liability per individual & total Accident.
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Property Damage - The cost of the damage to the other parties vehicle
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Uninsured Motorist - usually needs to be the same amounts at the liability coverage. Lots of drivers don't have insurance coverage or don't have enough. This coverage can be a lifesaver!
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Comprehensive Coverage - Coverage designed to protect against the unexpected, i.e. hail storms, dear hits, etc. can be common with this coverage.
- Collision Coverage - This coverage is designed to protect you against collisions the driver causes.
- PIP - Personal Injury Protection. Coverage designed to pay for miscellaneous medical injuries that are reasonable & necessary from an accident: I.e. chiropractic care, lost wages, mental stress, etc. PIP is sometimes referred to as "no-fault" coverage
- Glass Coverage - Chip and window repair or replacement coverage
- Towing & Rental Coverage - reimbursement for rental and towing costs from an accident.
The insurance protection you need when you’re on the move! Auto insurance should address or cover the following items:
Car
Insurance
8 Smart Steps for buying Life Insurance:
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Determine whether you actually need life insurance
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Calculate how much life insurance you need
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Consider other objectives you may have for your life insurance
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Determine what type of life insurance best meets your needs
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Find out if you need to add any “riders” to the policy
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Shop around
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Decide whether to pay premiums annually
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Tell your beneficiaries about your life insurance policy
Common Types of Life Insurance Products:
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Term Life Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.