Auto Insurance
When driving, your family and your peace of mind are riding on those wheels. Choosing the right auto insurance can help protect you from the risks associated with the road.
Car insurance is required
In most states, you’re required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
There is a difference
You may think you want the cheapest insurance you can find, but cheap isn't everything.
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.
Contact us today, and we'll help you protect what matters most.
What’s insurance for, anyway?
Keep in mind that you can’t buy insurance after you have an accident. Carefully considering the position you may be in, if you should ever be in an accident, is important.
Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.
Contact us today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.
Auto insurance: required and additional protection
Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:
Liability
Collision
Comprehensive
But additional protection may include:
Medical Payments.
Emergency Road Service
Uninsured Motorist Protection.
Why We're Different
While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you and your risks. Every policy is different, let us find the right carrier with the right coverage and budget for you.
Home Insurance
Homeowners insurance provides financial protection against damage to your home and contents caused by disasters. Additional coverage options can be customized to suit your needs.
Your Home Is Important, Make Sure It’s Protected
You have to ask yourself…
What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?
These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:
Your representative took the time to make sure you have the right protection
Your insurance carrier has your back
What is Home Insurance for?
Home insurance covers the hazards that most homeowners face. When a loss occurs, you will file a claim with your insurance carrier, and you are paid for the expenses, minus any outstanding deductible amounts.
Insurance also covers personal liability exposures, to protect you from many situations that could lead to lawsuits from others.
For instance, if someone slips and falls in your home or is injured somewhere on your property, you can be held responsible. Liability coverage is there to protect you.
You could also potentially need insurance to protect you from having to pay for:
Storm damage, fire, windstorm, lightning, and hail
Dog bite liability
Manufactured home coverage
Trampoline or swimming pool liability insurance
Wind damage
Sinkholes
Flood damage
Sewer or septic backups
Replacement cost for personal property
Umbrella liability insurance
When you see an independent insurance agent like us you have the chance to explore all your options for insurance, and protect the things that are most important to you.
Little-known facts about Homeowners Insurance
There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:
Most policies will not cover sewer backup, unless you purchase a special endorsement
Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
A standard homeowners policy typically does not include Flood Insurance
A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.
Who needs to insure their homes
Frame houses
CBS homes (Concrete Block Structure)
Manufactured homes
Mobile homes on acreage
Condos
Townhouses
Secondary homes
Homes you rent to others
Seasonal resident homes
Renters Insurance
There are advantages to being a renter…
As a renter, you’ve got it pretty good: No property taxes, no lawn cutting, and no snow removal.
But what would you do if you returned from work or a vacation and all your possessions in your apartment had been destroyed by a fire? Or if there were a break-in and some of your most expensive stuff was stolen?
You may think that the building owner’s insurance would take care of all the damage caused by a fire.
It doesn’t.
Your building owner is only required to carry insurance for the structure. Usually, covering everything outside “your walls” is their responsibility, while everything inside is yours to cover.
This means all your furniture, electronics, appliances, clothing, and jewelry are uninsured unless you purchase a renters policy.
The Cost Of Replacing Your Stuff
If you’ve considered it all, you might think that the “stuff” you have accumulated isn’t worth that much. It may or may not be worth anything from a dollar amount, but that’s very different compared to how much it would cost you to replace it. Buying a new bedroom set, clothing, or a computer can cost much more than you think.
You’ll be surprised at how affordable renters insurance can be. Besides covering all your stuff, it covers you from being held liable for if someone hurts themselves while they’re in your home. So, in the unfortunate event you’re sued, and the judgment goes against you, the renters policy will cover you, up to the policy limits.
Do you need renters insurance?
According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents, or for any liability arising out of their tenancy.
First, do the math and add up how much it would cost to replace your belongings.
Second, check with the terms of your lease, and verify if carrying a renters policy is required by your landlord.
Third, request a renters insurance quote to verify just how affordable it is to protect your belongings from perils like theft, vandalism, fire, and falling objects.
What else is covered?
Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:
Personal property protection
Family liability protection
Guest medical protection
Additional living expenses
Additional protection
Temporary housing
Liability protection for people on your property
Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.
Motorcycle Insurance
Whether you’ve got the ride of your dreams or you're saving up for your perfect bike, there’s only one way to enhance that feeling of leaving all of your worries behind.
Motorcycle Insurance: do you really need it?
Owning a motorcycle can be one of the most exhilarating things in life, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.
If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.
We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.
What are your coverage options?
There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:
Additional liability coverage
Collision
Comprehensive
Roadside assistance
Bike accessories
Total loss insurance
Rental vehicle coverage
Trip interruption coverage
On-road insurance for off-road vehicles
When you need the best motorcycle insurance
You can trust our team when you need to make a decision on insurance for your bike. As an independent company, we are not tied to just one insurance company. We have several A-plus-rated insurance carriers we can shop with, to make sure you get the very best Motorcycle Insurance and the lowest premiums.
RV Insurance
Recreational Vehicle (RV) owners are a special breed. They love to take to the highway because they know traveling is more than just a means to get from point "A" to point "B."
RV owners know the journey means as much as the destination.
While RV'ers enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance.
In fact, if you don't have proper insurance for your RV, you may face financial hardship if you should have an accident.
What makes RV insurance unique?
RV Insurance is like two policies in one: it protects your vehicle like car insurance and it also protects your living area like home insurance.
Collision and road emergencies are definite risks to insure against. But when you are camping or parked, your RV becomes your home and needs to be protected against theft, fire, liability and other disasters.
Insurance for motor homes is specially designed to protect people that travel. And because your vehicle is usually larger than others, you should have greater liability coverage than standard autos, and this is only one important coverage option you might consider.
Who needs RV insurance?
There are several classes of recreational vehicles and they each need special insurance:
Class A covers RVs built like large commercial buses
Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
Class C vehicles are large vehicles made from trucks or vans
Standard Motorhome Insurance
Standard insurance policy coverage will depend on your RV. Units that are motorized need the same kind of coverage as your car.
If you only plan to vacation once or twice a year, you may be able to get by with seasonal coverage. Trailer RVs will need insurance coverage for damage, both on and off the road.
Options for Your RV Insurance Policy
When you insure your RV, you might want to consider these important options:
Insurance for full-time RV
Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
Emergency expense money
Total loss coverage
RV contents coverage
Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.
