PROTECTION YOU NEED

We offer distinct levels of coverage so that you can select the protection needed to keep your home, safe and sound.  Our coverage will help you replace your home and it's contents, along with outbuildings and other structures.  Coverage includes valuable protection for loss of use, personal liability, medical payments to others, and credit card forgery.

 

FLEXIBLE COVERAGE OPTIONS

We understand that your home contains your most prized possessions such as home electronics, collectibles, antiques, jewelry, or furs. These valuable items can add up to significant loss if your home is damaged or destroyed.  That's why our solutions includes individually tailored coverage to safeguard your investment in your property and valued possessions.  You no longer have to accept the flat limits offered by other insurers.

With comprehensive tiers of coverage, you can select the level of protection that uniquely suits you and your home.

VIDEO ON HOMEOWNERS INSURANCE

PERSONAL SERVICE

As your agent, we can help you select the right kind of insurance for your home, vacation home, cars, business, specialty cars, motorcycles and boats. We may also be able to help you with umbrella coverage which can help protect you from personal legal judgments that exceed other coverage limits.  This is an essential added layer of protection to ensure if you ever face an asset-draining legal issue, you wouldn't be left in a lifelong financial bind.

PROFESSIONAL INSURANCE REVIEW

Complete your annual Professional Insurance Review today.  Coverage that made sense when you established your original policies may need to be adjusted to meet your evolving needs.  Did you know that over half of American homes are undervalued by an average of 22 percent? A thorough inspection of your insurance policies can identify areas under or over-insurance, saving you time and money.  It can also help you understand and plan for your retirement - an area that many Americans seriously underestimate.

EASY TO DO BUSINESS WITH

Direct Debit Plans

• Our convenient payment plan automatically deducts monthly premium payments from your checking or savings account.

Multiple Product Discounts

• If you choose us for your auto, home and life insurance needs, you can receive up to a 15 percent discount on your combined qualifying auto and home premiums.

QUICK CLAIMS PROCESSING

When it comes to handling property and casualty claims, our customers say it best.  According to year-end results from claims customers satisfaction surveys, 98% of customers responding gave us high marks, and say they would recommend us to a friend.

Renter's Insurance

Our comprehensive policy for those that rent.

Features of our policy include:

• Optional endorsement coverage for personal property covered on replacement cost basis
• $2,500 coverage for loss of jewelry, watches, furs, precious and semi-precious stones by theft subject to a maximum of $1,000 per article
• $5,000 coverage for computer hardware, software, personal or business use
• $2,500 for business property on the premises.  The total limit for business property away from premises is $1,000
• $2,500 for loss of silverware, silver-plated ware,gold ware, gold-plated ware and pewter ware by theft
• $3,000 for loss of guns by theft
• $2,000 coverage for watercraft, including trailers, furnishings and outdoor motors
• $1,500 coverage for trailers not associated with watercraft