We have the expertise and experience to proficiently meet your needs, whether business, personal or financial.
Personal Auto Insurance
Are you taking advantage of the auto-home discount? Did you choose the appropriate limits? Don’t underestimate jury awards…often they are astronomical. Consider liability coverage carefully. Is your driving record improving? We have multiple car discounts and safe driver discounts. We offer competitive premiums and complete coverage for all your vehicles. Coverages include:
- Preferred and Standard Auto
- High Risk Auto
- Motor Homes
- Camping Trailers, Travel Trailers, Utility Trailers
- Recreational vehicles: all-terrain vehicles, trail bikes, snowmobiles, golf carts, mini bikes, dune buggies, jet skis and wet bikes, antique, classic or special-interest cars
We can insure your motorcycle for a full 12 month term, 3 month or 5 month layup. And did you know that you may qualify for premium credits if you’re a member of certain Motorcycle Groups?
Depend on us to provide the coverages you need with competitive premiums. Give us a call and we’ll give you the details.
Antique/Collector Car Insurance
From classic cars to muscle cars, we have coverage that can be custom tailored to protect your high value collectible. Unlike coverage provided under typical personal automobile policies which provides Actual Cash Value (ACV) coverage for loss to your covered auto, these policies provide agreed value coverage and do not consider depreciation in your car’s value.
Antique, classic cars, street rods and milestone collector cars are eligible and are welcomed under these programs.
Boats and Watercraft Insurance
We have the ablility to insure boats- from the smallest fishing boat to the most luxurious yacht as well as speed boats, personal watercraft and houseboats.
Give us a call to find out about the many discounts that are available such as: Coast Guard courses, safety equipment and multi-policy credits.
RV and Camper Insurance
We have products that can insure your Recreational Vehicle as well as its contents and special equipment. We can also provide coverage for the specific and unique liability associated with the ownership of a Recreational Vehicle. Call us for more information.
Are your possessions fully insured? Saving a few dollars up front could cost you a significant amount of money at the time of loss. Unless you insure for the replacement cost of household possessions, you will be paid only the purchase price less depreciation for items even though they are covered in an insured loss.
Will your current policy cover the cost of rebuilding your home? Let us help you determine how much you need to rebuild from the ground up. In a fire you could be left with just the foundation. Does your insurance cover your living expenses in the event of a fire or other damage to your home?
We can provide you with flood insurance through the National Flood Insurance Program. Flood insurance can be written to insure homes, commercial and personal property. Call our office for more information about this program.
We offer farm programs which provide all the coverage you need for your farm. Features include:
- Farm dwelling and household personal property coverage
- Farmers comprehensive personal liability coverage
- Medical payments coverage
- Coverage for physical damage to the property of others
- Inflation guard protection
- TV antennas/satellite dish coverage
For additional information about the coverage we provide, please call or stop by.
Identity Theft Protection
Identity theft is the country’s fastest-growing crime, victimizing millions of Americans each year. There are steps you can take to protect yourself, but the truth is that identity theft can strike anyone. Your identity is one of your most important assets.
Personal Umbrella Liability
We can provide you with protection against catastrophic liability claims. An umbrella policy acts as an excess coverage over your primary liability policies. Its limits apply in addition to the provided by underlying coverage. This form provides a higher limit of coverage that is excess over scheduled underlying policies. It is used in one of three ways:
- To provide additional limits of protection over the coverage listed in your underlying schedule.
- To act as primary coverage if your underlying limits are exhausted.
- To provide coverage for some risks, subject to retention, when your primary coverage does not.
We offer a broad line of products to meet your business insurance needs. Products and services include:
- A Business Owners Policy that is broad and comprehensive to meet businessowners’ needs in the areas of property and liability coverage. Coverage for specific businesses and optional extended coverage are also available.
- The Commercial Package Policy is flexible to ensure comprehensive coverages tailored for specific businesses. It includes Property, Comprehensive General Liability, Crime, Inland Marine and Automobile coverages.
- The Commercial Umbrella Policy provides the extra protection every business requires with extra limits where general liability and automobile limits end.
- Loss Control Services that help you reduce loss severity exposure, provide information on reducing loss frequency, and identifies safety programs.
For additional information about the coverage we provide, give us a call.
We have resources to provide you with the contractor bonds that you need in order to do business. We can also supply certificates of insurance that the companies who hire you require, and we can get them completed quickly.
Call us today for more information and to discuss your bonding needs.
We offer you a wide variety of products to meet your needs, the needs of your family and the needs of your business. Plans for your family include:
- Select Choice Term Series, offering you a choice of term lengths and coverage amounts and giving you the maximum amount of coverage for your premium dollar.
- Burial Insurance to protect your loved ones from the financial burdens of funeral, burial and final expenses.
- First Step, which provides your children with a base for saving and planning for a lifetime. Coverage is available through age 30, with the option to convert to a permanent life policy at that time.
- Select Choice Juvenile Whole Life prepares your children for the future with low rates and a policy your children can maintain for a lifetime.
We can also help you prepare for your retirement and protect you during periods you can not work due to disability:
- The Income Protector Policy safeguards your income and protects you and your family from the worries of disability.
- Individual Retirement Accounts include both conventional and ROTH, so you can choose the plan that best fits your needs.
- The Preferred Choice Annuity Series offers competitive interest rates and no monthly fees.
Call us for additional information about the coverage we can provide.
Health insurance should be your main defense against illness and injury. Think of it as a preventative measure, just like taking your vitamins.
We offer individual and family plans through our agency that include optional deductibles, comprehensive or basic coverages, health savings accounts (HSA) and short term medical plans.
Please call for further details and product availability.