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Auto Insurance

Car insurance is required

In most states, you’re required by law to carry car insurance. It's easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?

Auto insurance: required and additional protection

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else. Auto insurance usually consists of the following protections:

Liability
Collision
Comprehensive

But additional protection may include:

Medical Payments.
Emergency Road Service
Uninsured Motorist Protection.

Boat Insurance

Is your boating insurance seaworthy?

Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

Boat Insurance: what's covered

Typical coverages should include:

Personal liability
Boat
Motor
Trailer
Medical and physical damage perils

Classic Car Insurance

With classics collectibles, one size does NOT fit all

In the same way you’d customize your ride, you need a customized classic car policy, which takes into account the car's collectible value, the miles you drive each year, and many other personalized adjustments.

But unlike standard auto insurance policies, you only pay for what you need because you don't need full-time coverage. You may be surprised by how affordable coverage can be for the average classic and collectible car owner.

How to qualify for classic and collectible car insurance

When we submit your application for insurance, your insurance carrier may require us to provide some or all of the information below. Should you ever be in the unfortunate position of filing a claim, everything will be in order.

Usage: We will tailor your policy to reflect your driving habits
Storage: Your collectible car should be stored inside in a secure, locked garage or structure
Regular-Use Vehicles: Since you don’t need to drive your classic car every day, some carriers may require that you maintain “regular use” insurance in your name
Driver Eligibility: As with other forms of auto insurance, your driving history will also be taken into account

Homeowners Insurance

Your Home Is Important, Make Sure It’s Protected

You have to ask yourself…

What would happen if a disaster struck your home tomorrow? Are you confident you’re properly covered for damages and total loss? Would you be required to pay out of pocket for some or all the repairs?

These questions are crucial to address because major insurance carriers hold on new clients after a disaster strikes. More importantly, when you're facing a crisis, you’ll feel less pressure knowing:

Your representative took the time to make sure you have the right protection
Your insurance carrier has your back

Little-known facts about Homeowners Insurance

There are many things about insuring a home that most consumers aren’t aware of. We are here to make sure you avoid potential problem areas, including:

Most policies will not cover sewer backup, unless you purchase a special endorsement
Damages caused by surface water or water that flows below the surface of the ground aren’t usually covered
A standard homeowners policy typically does not include Flood Insurance
A standard homeowners policy only covers jewelry, up to set limits if the loss resulted from one of the perils named on the policy
Many policies default to actual cash value, which means if you purchased a widescreen TV and home theater system for $1,000, it may now only be worth $450, so that's all you'll receive on the claim. Just like the dwelling limit mentioned above, replacement cost insurance pays out the total replacement value of your possessions, not their market value, in the event of a claim.
IMPORTANT: You can combine your Home and Auto policies (and others) for even more savings.

Life Insurance

It happens more often than you think…

After running multiple tests, doctors conclude you have an incurable medical condition that may affect the length of life you have remaining.

A million thoughts race through your head. You’re unsure of what to do or whom to call. Your first priority is your family and who will look after their well-being when you’re gone. Will you might be asking yourself:

How will your spouse stay afloat with all the debt accrued?
Who will save for your children’s college fund?
Where will your family be without you?

Or will you be thinking instead of how you will choose to spend whatever time you have left secure in the fact you have a precisely calculated policy to cover your debt and funeral costs?

Recognizing everyone’s situation is unique, which means there are two types of life insurance policies to choose from:

Term life policies are set up to cover you for a specific period of time
Whole life or Universal life insurance covers the insured for the course of their life

No matter the situation, it is important to know what type of policy best suits your needs, the amount of coverage desired, and most importantly, who the beneficiary will be.

One of the helpful agents at our firm can help you learn more about purchasing a life insurance policy. Having peace of mind knowing that when you leave this world, your family won’t be burdened with your financial hardships.

Motorcycle Insurance

Motorcycle Insurance: do you really need it?

Owning a motorcycle can be exhilarating, but according to the National Safety Council, a motorcycle accident that result in serious bodily harm happens every 6 minutes in the United States.

If you think motorcycle insurance is a “wasted” expense, think again. Insurance is more about managing your risks than anything else. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses.

We are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.

What are your coverage options?

There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage and better peace of mind, including:

Additional liability coverage
Collision
Comprehensive
Roadside assistance
Bike accessories
Total loss insurance
Rental vehicle coverage
Trip interruption coverage
On-road insurance for off-road vehicles

Renters Insurance

What is covered?

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:

Personal property protection
Family liability protection
Guest medical protection
Additional living expenses
Additional protection
Temporary housing
Liability protection for people on your property

Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.

RV Insurance

Who needs RV insurance?

There are several classes of recreational vehicles and they each need special insurance:

Class A covers RVs built like large commercial buses
Class B vehicles resemble vans, but have taller ceilings so you can stand up inside
Class C vehicles are large vehicles made from trucks or vans

Options for Your RV Insurance Policy

When you insure your RV, you might want to consider these important options:

Insurance for full-time RVers
Camper liability — since you are responsible for what happens inside your mobile home and the lot or camp site it’s parked on (just like your house.)
Extra bodily and property damage liability is not uncommon, especially if you have an expensive and large RV.
24 hour roadside assistance is a worthwhile feature that could really save you time and money even if you only use it once. And if you never need it, what peace of mind!
Emergency expense money
Total loss coverage
RV contents coverage
Insurance for any ATVs you may be towing, both for damage they may sustain being towed or being driven.

Umbrella Insurance

What is umbrella insurance?

You never know when it might rain. So, just like the name implies, this type of policy acts like an umbrella, providing protection against a wide range of potential financial dangers and unforeseeable mishaps.

Umbrella insurance does not cover:

Your own medical expenses
Losses to your property

However, what exactly is covered by your umbrella policy depends on how you decide to set it up. In most cases, umbrella insurance protects you from:

Injuries you cause in a car accident
Injuries someone suffers on your property
Property damage you cause in an accident
Property damage your pet causes
Property damage a dependent or child causes
Attorney fees and other legal costs

Yes, your existing insurance may protect you to an extent, but an umbrella policy goes much further for less cost than raising the limits on your existing policy because it covers for different types of risks. Umbrella insurance is also portable, in most cases, so it can follow you when and wherever you travel.

Since the terms of umbrella insurance policies will vary, depending on insurance companies and your own personal needs, a qualified insurance agent from our firm is the best person with whom to discuss the benefits, restrictions, and coverage from each carrier they represent.