Insurance & Services - Personal Lines

Auto

Explore a variety of our auto policy plans to specifically fit your needs, at a price you deserve.

Coverage
Whether you want full coverage, liability only, or a specialized plan for your classic, exotic or highly valuable vehicle, we provide the coverage you need.

Auto Discounts
Discounts are offered for Clean drivers, Seniors, Students, Anti-theft, Multiple policies, defensive driver, and Good payer.

Claims
Now, it is easier than ever to report a new claim or view a current one. When we receive your claim, it will be assigned to a claims professional. The claims adjuster will estimate and evaluate any damage and work closely with you to resolve the claim.

Homeowners

Protect one of your biggest investments – your home. Get homeowners insurance for inside and outside of your home with one of our homeowner’s policies.

Your Property’s Value
Options like Replacement Cost to replace your home at today’s rebuild cost.

Coverage
Protection not only for your home and your property. Protection against lawsuits and liability claims.

Discounts & Payment
Customer may qualify for a variety of savings like home and auto discount, claim free discount, protective device discount, and senior & retired discount. Payment are flexible to fit your budget.

Boat Insurance

Not all boat owners have boat insurance. Make sure you have boat insurance with our agency to protect your boat and you as an owner in the event of a loss.

Coverage
The term boat encompasses all motorized water vehicles including, but not limited to, fishing boats, pontoon boats, yachts, and jet skis.

Specialized Coverage’s
Boat insurance has your typical coverage plus some specialized coverage’s that you may not be familiar with such as towing & emergency coverage, pollution coverage, replacement cost fishing equipment, and replacement cost personal effects.

Additions
Along with the coverage that comes with boat insurance, we also offer 24-hour roadside assistance, emergency towing & labor, and wreckage removal coverage.

Motorcycle Insurance

All motorcycles on the road are required by law to have motorcycle insurance. Protect yourself and your motorcycle in the event of a loss.

Coverage
Standard motorcycle insurance covers bodily injury & property damage liability, uninsured motorcyclist, medical pay, comprehensive, and collision.

Specialized Coverage’s
Aside from the standard set of coverage on motorcycle policies, companies often offer specialized coverage. Specialized coverage can really come in handy at the time of loss. Things you may not think of prior to a claim such as accessory coverage and trip interruption can be costly if you do not have the coverage included on your motorcycle policy.

Flood

You don’t have to live in a high-risk flood zone to be affected by a flood. Be covered for what Mother Nature may cause with one of our flood policies.

Coverage
Dwelling protect your home from damage. Your things we can cover your things on the first floor and above in case they are damage from flood water.

Do I need flood insurance?
Maybe, most people don’t realize Homeowners doesn’t cover flood only a flood policy does. So we can look into it and see if it makes sense to you.

Preferred Policy are available if you qualify – premiums are very affordable.

Life

Provide for the ones you love and depend on you financially. With one of our life insurance policies, you will be prepared for any of life’s unexpected moments.

Term
As the name implies, a term insurance policy is good for a specific period of time; that can be one year, 10 years, 20 years or even up to 30 years. It’s the least expensive and great for times where there is a greater amount of need.

Permanent
Permanent life insurance is designed to provide insurance protection for as long as you live, assuming your premium payments are made as required. This type of policy can build cash value that can be used in the future.

Universal
Universal life insurance policies provide the flexibility to build your policy's cash value or focus more on guaranteed protection.

Survivorship Life Insurance
Sometimes called second-to-die insurance, survivorship life insurance covers two people and provides a benefit only after the second person has passed away. Whether your goal is to leave an inheritance, protect your business or provide a lasting benefit to a charity, fund a special needs trust survivorship life insurance can be an important part of your estate plan.

Umbrella

Protect yourself in an instance where your regular insurance isn’t enough.

What is umbrella?
A personal umbrella policy provides liability coverage over and above your auto and homeowners insurance. The policy will be useful when your other liability limits have been reached or you need a greater amount of protection.

Do I need an umbrella policy?
Personal Umbrella policies are optional but do provide a sense of security. We can help you determine the amount of coverage that is right for you.

Personal Umbrella Policy Limits
We offer personal umbrella policies in million-dollar increments starting from $1 million to $10 million. This liability protection will protect you anywhere you are and will cover up to the chosen policy limit.