We offer a wide range of Personal insurance options.
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Protect what you have accomplished
Home Owners insurance provides financial protection in the event of an accident or disaster
Home insurance not only covers the potential damage to your home but also its content (furniture, clothes, electronics) and other exterior fixtures. While home owners insurance protects you from many types of disaster related damages.
Flood and earthquake are excluded but offered on separate types of policies. Home insurance is designed to get you back on your feet after an unfortunate event, it is extremely important that you insure your home to cover the replacement cost of your property in the event of a total loss.
This type of insurance offers a complete package which protects you and your personal residence from many perils and accidents:
Coverage for Home Insurance include:
Dwelling - Pays to rebuild or repair your home in case of a fire or natural disaster.
Other Structures - Other detached around your home, for example garages, sheds, fences and cottages.
Personal Property - Personal items in your home that have been damaged or destroyed, for example furniture, clothes, sporting goods and electronics.
Loss of Use - Additional housing and living expenses, in case you need to relocate while your home is being repaired or rebuilt.
Personal Liability - Protects your assets and covers your legal fees if you are liable for injury or property damage due to an accident where you are deemed at fault.
Examples of Home Insurance are:
Dwelling Fire Insurance
Mobile Home Insurance
High-Brush Home Insurance
Seasonal/Vacation Home Insurance
Valuable Personal Property Insurance
Course of Construction
Vacant Home Insurance
Rental Property Insurance
Protect what you worked so hard for.
Auto & Motorsport Insurance
Auto insurance protects your vehicles and its occupants against an accident, theft or property damage.
This type of insurance offers coverage for medical expenses, property and vehicle damage and other losses that occur when you are in an accident. In addition, auto insurance protects you and other family members, whether driving your car or someone else's car (with their permission). Personal auto insurance is for personal use only, (some business use may apply.) It does not provide coverage for services such as, but not limited to; pizza delivery or ride-sharing services. Auto & Motorsport insurance includes a wide variety of vehicles from personal auto to motorcycles and recreational vehicles and for your personal auto it is required by law in most states.
Coverage for Personal Auto insurance include:
Bodily Injury Liability - Liability coverage for bodily injury or death to the other party resulting from an accident where you are at fault.
Property Damage Liability - Liability coverage for damages to another person's property caused by your vehicle.
Comprehensive - Protection for damage to your vehicle from theft, vandalism, flood and fire.
Collision - Insurance for damage to your vehicle from an accident involving a collision.
Medical Payments - Protection for medical expenses for the driver and passengers from an accident regardless of fault.
Uninsured/Underinsured Motorist - Coverage for injuries and property damage caused by an uninsured vehicle or a hit-and-run driver.
Towing - Coverage for towing your commercial vehicle to a repair facility.
Car Rental - Coverage for a rental car while your commercial vehicle is being repaired.
Glass Coverage - Coverage for windshield or other glass damage on the vehicle.
Protect those you love.
Life insurance provides cash protection for your family (or designated beneficiary) in the case of an individual's death.
Life insurance is an essential part of sound financial planning and typically not thought about until a life changing event pushes people to consider the risk of an unfortunate illness or accident. It is hard enough for a family to grieve and adjust to a death in the family, but with mortgage payments, child care and other debts and the unexpected loss of income, the financial burden can be devastating. Life insurance provides peace of mind protection for your family with a lump sum payment or installments to cover your monthly payments and debts and ease the financial demand allowing you to start the process of recovery.
Do you have debt? Who would assume your debt if you would die tomorrow? Can they make the payments without your income?
Factors when considering life insurance:
Do you have children? Will your spouse be able to take care of them financially alone?
Do you own a business? Do you have a succession plan?
How much life insurance do you need?
Examples of Life Insurance are:
Term Life Insurance - Life insurance for a specific number of years (typically 10,20 or even 30 years) with fixed premium payments and death benefit payouts.
Whole Life Insurance - A permanent life insurance option for the life of the individual, designed for tax-deferred wealth transfer with fixed premium payments and death benefit payouts.
Universal Life Insurance - A permanent life insurance option for the life of the individual, designed for tax-deferred wealth transfer with flexible premium payments and excess interest credited to your policy.
Health Insurance cost is growing, we can find a policy catered to you.
Connect with our agents to find a policy that is in your network.
Learn the differences among the products we offer
Personal health insurance covers medical expenses when you get sick or are injured. Individual health insurance is coverage you purchase on your own as opposed to obtaining your health insurance through your employer.
With health care cost already high and continuing to rise, an accident or illness could wipeout your savings and any personal financial gains. Most health insurance covers doctor services, hospital care, prescriptions, pregnancy, child birth and mental health services. The insurance company charges a month premium and covers all medical bills after a much smaller co-pay and deductible.
Type of Personal Health Plans are:
Health Maintenance Organization (HMO) - Covers most medical treatment, but requires you to identify a primary care physician for your basic treatment. If your care requires a specialist, you must get a referral from your primary care physician to see a specialty doctor for additional advice and treatment. The primary care physician and the medical specialist must be within the HMO's network of healthcare providers. HMO's typical cost less but restrict your choices and require you to follow a process to get access to medical specialties.
Preferred Provider Organization (PPO) - Covers most medical treatment and gives you the freedom to choose your doctors and specialists within or even outside of the PPO's network without requiring a referral from a primary care doctor. PPO's typically cost more and require more of your involvement to find specialty doctors and coordinate appointments, but you can choose which doctors you want to see, when you want to see them.
Exclusive Provider Organization (EPO) - Covers most medical treatment, but is a hybrid of the HMO and the PPO plans. The EPO has the freedom to not commit to a primary doctor or get a referral from a doctor before seeing a specialist, but you must use the selected doctors that the EPO network offers. EPO's still has many of the freedoms and costs less than a PPO, but they are still higher in cost than the HMO.
High-Deductible Health Plan (HDHP)/Health Savings Account (HSA) - Covers most medical treatment by using a HMO, PPO, EPO or POS, but has a much higher deductible and out-of-pocket limits to pay before receiving any coverage from the health insurance plan. Once you reach the out-of-pocket limits for the year the plan covers 100% of your care for the remainder of the year.
(continued) HDHP are lower in cost for each of the plan types because the insurance coverage only provides payments once the out-of-pocket limits and deductibles have been met. Many of the HDHP plans offer a tax advantaged health savings accounts to help pay the deductible and out-of-pocket expenses. The money you place in an HSA account is not taxed and can be used tax-free for eligible medical costs. You must be enrolled in a HDHP to have an HSA account.
Point-of-Service Plan (POS) - Covers most medical treatment, but is a twist of the HMO and the EPO plans. The POS requires you to identify a primary care physician and your primary physician must provide a referral, but the difference from a HMO is that it allows referrals to specialty doctors outside of your plans network at a higher cost.
To learn more about the types of Health Insurance we offer, Click 'Start Quote' to have one of our experienced agents contact you
Personal Health Insurance Plans can include:
Added protection for peace of mind.
Typically this type of insurance is included in your home owners or renters policy, but additional expanded coverage can be purchased separately to protect against a catastrophic lawsuit or judgement. This expanded coverage increases the coverage limits of your liability protection beyond the base coverage provided under your existing policies. Umbrella coverage can be purchased from a different insurance company, but the umbrella policy will require you to have the underlying basic liability coverage provided by an existing policy. The base policy is the foundation coverage and umbrella coverage only pays once your base liability limits have been exhausted.
Personal Liability Umbrella insurance is coverage for bodily injury and property damage to others for which you or someone in your household is held legally responsible
Umbrella Insurance Considerations:
Risks you may face - Do you participate in any potentially dangerous activities? Could you be held negligent from a party in your home or an activity in your yard?
Value of your assets - Do you own assets that could be at risk? The more assets own, the more your stand to lose and the higher umbrella limits you should consider.
Loss of future income - Be aware that personal liability lawsuits can claim both current assets and future income.
You don't have to be wealthy to need an umbrella policy.
Bodily injury claims