There are a wide variety of personal insurance options as well as how much coverage each includes.  We look at everything you need to insure and find the best solutions for each one as well as making sure you are fully covered for each.  Too often we find that people are underinsured or don’t have coverage on items that they thought was included in their plans.  Our associates go through each type of coverage and make sure it matches your needs so you won’t have surprises down the road when you make a claim.  Below are some types of personal insurance that we can offer, if you have any questions just give us a call.

We work with you to ensure that you have appropriate protection with regard to: Liability, Uninsured/Underinsured Bodily Injury, Medical Payments, Collision, Comprehensive, Uninsured Motorist Property Damage, Roadside Assistance and more.

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

• Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
• Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
• Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
• Medical Payments — Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.
• Loss of Use — Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

As a renter, you need your own renter’s insurance policy to protect yourself and your personal property. Renters Insurance covers:

• Your belongings
• Your place & your guests from mishaps
• Hotel expenses (if you need a place to stay)

We have coverage for all of your recreational vehicles including motorcycles, ATVs, watercrafts and more.  These policies give coverage for the specific vehicle and offers physical damage, liability as well as medical coverage for the machine and the riders.

We have coverage for for pilots who fly their own aircraft for personal, business and pleasure. We offer a wide range of liability and hull coverage options, along with hanger insurance covering physical/structural damage to your hangar and its contents.

Personal articles policies allow you to cover expensive items such as camera equipment, jewelry, firearms and other items where increased coverage is needed in addition to your regular homeowners policies.

Pet insurance is a great coverage that covers wellness, illness, emergencies and more for your animals.

If you live in a flood zone then this insurance is required by your mortgage company to cover any losses do to floods and water damage caused from water outside of the home.

A personal umbrella policy provides additional coverage after the liability limits on your homeowner’s or auto insurance policies are exhausted.

A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, and how long you need it. When you die, if your policy is still active, the people you’ve listed on your policy get paid the death benefit.)

• Term Life
• Permanent Life