Personal Insurance

Personal Insurance

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage or inadequate liability protection could cost you personally. That’s why we focus on creating peace of mind, and getting the most for your insurance dollar.

We determine what you have and what you need to protect. The amount of protection a family needs depends on what they have and could potentially lose – in property as well as their financial security for the future.

As an independent insurance agency, we represent many of the country’s finest insurance companies
and can recommend the right insurance to fit your needs. You can expect exceptional value, timely
response and personal attention for your comprehensive coverage.

Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A standard policy insures the
home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage
caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you
and the insurance company. You agree to pay the premium and the insurance company agrees to pay
your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:
– Property coverage pays for damage to or theft of your car.
– Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
– Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and
funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.