Personal Insurance

Undervaluing the replacement cost value of your home’s contents is easy to do and one of the most common mistakes people make. As you look from room to room in your home and attempt to add up what it would cost to newly purchase each item you see, you might begin to understand why your contents coverage might easily need to be 75% - 100% or more of the limit you choose to insure your home for.

Don’t forget Flood Coverage. Your home is almost 26 times more likely to be damaged by flood than fire during the course of a 30-year mortgage. Did you know that only 25% of all homes or businesses in areas most vulnerable to flooding actually carry Flood Insurance? Surprisingly, government statistics show that over 50% of all flood losses occur outside of known flood zones.

Auto Insurance

To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.

If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.

Compulsory Auto Policy Coverage

Bodily Injury to Others
Personal Injury Protection
Bodily Injury Caused by Uninsured Auto
Damage to Someone Else's Property

Optional Coverages

Optional Bodily Injury to Others
Medical Payments
Collision
Comprehensive
Substitute Transportation
Towing and Labor
Bodily Injury Caused by an Underinsured Auto

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Homeowners Insurance

The biggest investment most people will ever make is in their home. That's why it makes sense to protect the sizable financial investment you've made in your own home with a comprehensive homeowners plan.

Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For

Your home
Other buildings or structures on your property
Your personal belongings - furniture, clothing, appliances, etc.
Additional living expenses
Your personal legal liability

Special features you can choose for additional security

Home Replacement Guarantee
Replacement Cost on Contents
Additional Coverage Form

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