Our Products

Automobile Insurance

The Basics
Auto Insurance
You are probably spending hundreds of dollars each year on automobile insurance. With that much expense, you should spend a little time learning the basics, if your agent has not already explained them to you. This isn’t a detailed description, but is provided to help you make some decisions about your insurance needs. Please check your current policy for coverages you currently have.
Liability Coverage
Liability Coverage is extremely important in safeguarding your financial security. With escalating medical costs, multiple car accident possibilities, or damage to expensive property, the minimum coverage required by law may not be sufficient.
Bodily Injury Liability
This , combined with property damage liability, is the building block for any auto insurance policy, and is required in most states. Should a claim or lawsuit be brought against you, and if a court finds you to be legally responsible, your bodily injury liability will pay up to your policy limit for injuries to other people, like occupants of your car, another car, or pedestrians. It also provides for legal defense against those claims should it become necessary.
Property Damage Liability
This coverage is also required in most states, and should a claim or lawsuit be brought against you and you are found legally responsible for damages to property, your property damage liability will pay, up to the policy limit, for the repair or replacement of things like buildings, fences, light poles or someone else’s car. Property damage liability does not pay for damage to your own property, or your car. Those damages are covered under optional comprehensive and collision coverages.
Different limits of liability are offered on both bodily injury and property damage liability insurance. They afford different levels of protection. If you should be found responsible for damages for bodily injury and property damage, your state minimum coverages may not be adequate to pay the damages. You should purchase the highest limits that are affordable in your particular situation.
Medical Payments
This is an optional coverage that pays, up to the policy limits per person, for medical expenses for you or occupants of your covered auto who are injured in an automobile accident. It also covers you and relatives living in your household should they be injured by a car as a pedestrian, or in someone else’s car. This coverage could be valuable because it pays without having to determine liability.

Coverage for your Car

Comprehensive (Other than Collision) Coverage

This is an optional coverage, and applies if your car is damaged by fire, theft, vandalism, windstorm, glass breakage, or contact with an animal. The coverage pays to have your car repaired, or pay the actual cash value of your car if it is determined to be a total loss, less your deductible. It does not cover every day wear and tear, mechanical failure, or other mechanical difficulties. It may be a required coverage if you are financing your car.
Collision Coverage
This is also an optional coverage, and provides payments to fix your own car, or pay the actual cash value if your car is found to be a total loss, if it is overturned, or damaged in a collision with another car or object. This coverage would pay for damages to your covered vehicle regardless of who is at fault, but it is subject to a deductible, like comprehensive coverage. It also may be required if you are financing your car.
Uninsured Motorist Coverage
If you are injured in an accident caused by someone who has no insurance or are injured by a hit and run driver, this coverage pays for injuries , up to the coverage limit, caused by a driver who is uninsured, or an unidentified hit and run driver who is legally liable for your injuries. This also covers relatives who live with you, the occupants of your insured car, and while you are a pedestrian. It does not pay for damages to your car.
These are but a few of the coverages available to you, of which some are mandatory. We would be happy to explain other coverages and their benefits.

Homeowners Insurance

Home Insurance
If you own a home, surely you will want to protect not only the building, but your possessions that are in your home as well. A standard homeowners insurance policy will be able to protect you should you have a fire, or suffer vandalism or theft, or have a wind loss.
You should also think about building coverage for the other buildings on your land besides your home, like detached garages, pole barns, or storage sheds. Also, should your home be damaged and you have to move out for a while, a homeowners policy will help you pay the expense to rent another home or apartment while your damaged home is repaired.
As a homeowner, you may be held liable for accidents that people have while they are on your property or in your home. You also could damage other people’s belongings either in your home or somewhere else. A homeowners policy can be tailored to meet these needs as well as many others.
Renters or Tenant Homeowners Insurance
Living in an apartment, your valuables are just as important to you as if you owned a home. When you have to replace your possessions with something new because of a covered loss, you shouldn’t have to break the bank to pay for them.
As a tenant in someone else’s building, it’s a wise decision to have tenant homeowners insurance. It protects both your contents and your liability exposure. You, as a tenant, could be responsible for damage you might cause to the building or to others who live in the building.
Standard Home Coverages
Building Coverage
Special form or “all risk” form coverage insures your building for the most common types of losses. When you have Special form coverage, your building is insured for most everything, unless it is specifically excluded from your policy.
Named Perils Coverage includes a list of the most common types of things covered under your insurance, like fire, theft, water damage, vandalism. Everything is listed very clearly in your policy so you have a complete understanding of what your policy covers. Named perils building coverage is rare. After all, your home is probably the largest and most important investment you will ever make. Why would you not want it fully insured?
Standard Homeowners policies cover your personal belongings for their actual cash value. This means you receive the value of the item less its depreciation from when it was new. Your 5 year old television that you paid $600 for may only be worth $150 if it were destroyed in a fire. Most people choose to insure their personal belongings for their replacement value. When you replace the item(s) with a similar kind and quality, within a specified time, the insurance company will pay you what it cost you to replace the item, less your deductible.
Additional Living Expense
If you are forced to leave your home because of a covered loss, this coverage pays for your reasonable and necessary expenses to temporarily live away from home. There is usually a limit on this type of coverage.
Personal Liability
Liability is a legal responsibility. Liability insurance protects you from having to pay damages to people, if you’ve been found responsible for unintentionally injuring them or damaging their property.
The beauty of liability insurance is that it protects you anywhere in the world.

Business Owners Insurance

Business Insurance
As a business owner, purchasing the appropriate commercial insurance policy is critical to protecting your company’s assets and making sure it can continue. Property casualty insurance protects businesses from financial loss due to unforeseen circumstances including property damage and liability, mitigating the risk involved in running a business. Commercial Auto Insurance is very similar to Personal Auto Insurance. It provides both liability coverage and optional comprehensive and collision coverage as well as many business optional coverages.
Basic property insurance protects a company’s buildings, machinery, equipment and furniture against loss caused by specified perils. Additionally, businesses can purchase many other lines of coverage including systems breakdown, crime, and inland marine coverage.
Casualty insurance covers a business’ liability for the injury or property damage of a third party. Common commercial liability lines include commercial general liability, commercial auto coverage, and commercial umbrella liability.
Insurance companies tend to offer small and medium sized businesses a type of insurance package, called a business owners policy (BOP), which includes basic property insurance, business interruption and liability coverage. BOP’s do not include professional liability or auto insurance.

Recreational Insurance

Recreational Insurance
We can insure all of your “toys” as well as your home, auto, and business.
Ask us to quote any of the following:
Jet Ski
Travel Trailer
Remember to ask about physical damage for all vehicles.