Homeowner's Insurance

Generally speaking, most Homeowner policies provide coverage for your Home, the Contents of your home, and Other Structures such as a garage or shed.

Personal property is typically covered against windstorm and hail, vandalism, fire and lightning, damage by vehicle or aircraft, bursting of plumbing systems, damage from falling objects, theft, damage caused by weight of ice and smoke. In addition, coverage can be provided for Personal Liability, Medical Expenses of Others which result from injury on your premises and Damage to the Property of Others while on your premises.

RENTERS COVERAGE is also available. Coverage is provided for your Contents as well as your Personal Liability.

Call or Email us to find out the latest coverages available. We provide comprehensive coverages for your most prized possessions. We offer a complete line of special coverages for things like baseball card collections, figurine collections, cameras, jewelry, and just about any kind of collectable or fine art. We personalize your coverage.

Personal Auto Insurance

Personal auto insurance is a complicated area. Many insurers lead you to believe that discussing this subject with an inexperienced telemarketer is a quality substitute for having a personal agent. Don't buy into that theory for a minute.

Through our years of experience we can prove time and time again that there is no substitute for having an agent to guide you. Price is part of the issue, not the entire issue. We will give you prices from other companies, AND we can SELL you those other companies. The bitterness of poor coverage and service will linger long after the happiness in discovering cheap coverage. Talk to us about the unique features of our auto plans. Call or Email us to find out the latest coverages available.

Generally speaking, most Personal Auto policies provide the following basic coverages:

• Bodily Injury Liability - Covers accidental injury or death of another person if caused by you in an automobile related accident.
• Property Damage Liability - Covers accidental damage to other people's property if caused by you in an automobile related accident.
• Defense Costs - Covers court costs, legal expenses and attorney's fees.
• Collision - Covers you for damage to your car in an accident, regardless of who was at fault.
• Other Than Collision - Covers your car against damage from fire, lightning, flood, theft, glass breakage, falling objects, and other specified perils.
• Personal Injury Protection - Covers you and your family who sustain bodily injury caused by an accident involving the use of an automobile, for medical expenses, income continuation, essential services, death benefit and funeral expenses.
• Uninsured / Underinsured Motorist - Covers injury suffered by you, your family and anyone riding in your car against the uninsured / underinsured or hit-and-run driver.

Life Insurance & Estate Planning

Who will take care of your family and obligations when you die? Where will your funeral expense money come from? Who will make up for your contributions to a church or charity when they stop due to your death? How will your key employee be able to buy your business from your family without financial hardship?

Life insurance is the answer to these and many other financial issues. It is still one of the best bargains in insurance. We have a wide variety of companies to choose from. If you have had health problems that may cause your qualification for insurance to be more difficult, we have the markets and experience to get you the best offer. Don't believe that answering a questionnaire on the Internet will yield the lowest rate. The fact is, there is still no substitute for discussion by an experienced agent with you and the insurance company underwriter. We can help you decide on the right type of life insurance policy and make important financial plans for your situation.