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Personal Insurance

Personal Auto Insurance

We provide coverage for most types of vehicles.  We also can provide multi-policy discounts when you combine your auto policy with your homeowner's policy.

Motorcycle Insurance

We provide coverage for most motorcycles.


Recreational Vehicles

We provide insurance coverage for a wide array of Recreational vehicles.  Price will vary based on the power of the vehicle and the owner’s experience.  Some examples of items we cover are ATV’s, Snowmobiles, Mobile Homes, Motor Homes, and Travel Trailers.


Watercraft Insurance

We provide coverage for most types of Watercrafts and trailers for Watercrafts.  We can cover your boat or personal watercraft (Wave runner) with an annual policy structured to your needs.  Our policies also include emergency assistance and contents coverage.


Homeowners Insurance

We provide coverage for most types of homes.   We can insure your primary and secondary residences.  We can also insure your high value items (Jewelry, watches, firs, art work) on your homeowners policy.  Our policies are very competitive and run annually.


Renters Insurance

We provide coverage for tenants who live in non-owned dwellings such as Apartments, Town Homes, Homes, and Condos.  Your policy will provide coverage for liability and your contents (IE personal items such as clothing, furniture, electronic, etc.)  Our policies are inexpensive and will cover you annually.


Condo

We provide coverage for Condominiums.  Coverage is very similar to that of a homeowner’s policy with the main difference being that the insured is only responsible to cover the interior walls and the content inside of the unit.  The Condo association is generally responsible for the exterior of the unit.


Flood Insurance

We provide Flood Insurance coverage.  Prices for flood policies vary depending on whether or not your home is located in a flood zone.  Flood zones are land areas identified by the Federal Emergency Management Agency (FEMA). Each flood zone describes that land area in terms of its risk of flooding. Everyone lives in a flood zone–it's just a question of whether you live in a low, moderate, or high risk area.


Umbrella Insurance

We provide Umbrella Insurance (IE Excess Liability Coverage in the event of a lawsuit).  Our Umbrella Policy coverage’s start 1 Million Dollars and will cover you anywhere in the world.  Umbrella policies provide Personal Liability Coverage but do not provide coverage for Intentional act or Business pursuits.


Life Insurance

Our agency offers Term and Universal life products to protect you and your loved ones.  We have numerous products available to protect you in your time of need.

Term Life - a policy that runs for a designated amount of years.  The premiums are fixed (i.e. they will not increase or decrease if your health changes) for the specified time of the policy.  Once the "term" of the policy has run out, the policy is finished.

Universal Life - a policy that runs for the policy holders entire life.  It accrues interest and cash value which can be borrowed against.  The premiums are fixed (i.e. they will not increase or decrease if your health changes) but can change if the policy coverage is increased or decreased.


Collector Car Insurance

Our agency provides coverage for your pride and joy, your collector car.  Whether you take you car one a week, once a month, or even once a year, we have Collector Car policies to cover your car.  Our policies will cover you if your car is in a parade, a car show, or even just a cruise night with friends.  Our policies can cover almost all ages and makes.