Homeowners

Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.

Your home is both a valuable asset as well as the central component of your life, so it’s extra-important to cover every risk with homeowners insurance. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time.

For example, a devastating fire could result in not just the total loss of your home, but financial ruin. Without adequate home insurance you could be left with no way of raising the funds to pay off the balance of the mortgage. Of course, homeowners insurance may also protect you from more common house-related incidents like pipe leaks, burglary of personal possessions and much more.

Finding the right homeowner's insurance policy for your unique needs can seem overwhelming. Rest assured, we can help make things a bit simpler by creating a homeowners insurance policy that gets you the proper coverage for your house at the right price.

Auto

Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.

Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured or underinsured driver.

Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.

Boat/RV’s

Watercraft:

Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.

Getting out on the water should be carefree, but owning and running a boat brings several financial risks. Watercraft insurance means you can stop worrying about those risks and get back to relaxing on your boat.

Boat insurance (or watercraft insurance) policies usually have two standard elements, with two optional extras that are worth considering. One standard feature is insurance coverage for physical damage to the boat, whether that be from a collision, fire, severe weather, theft or vandalism. The other standard feature in a boat insurance policy is liability, meaning you’re covered for damage you cause to other boats or people, along with the associated legal costs.

Spending time on the water is fun. Talk with us about getting the proper boat insurance coverage in place today.

RV/Travel Trailer:

Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and also a safe one.

At first glance you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile.

RV insurance will often also include enhanced coverage for your personal possessions, meaning you can relax when taking those extra creature comforts and gadgets on a motorhome trip. Additionally, make sure to look for a camper insurance policy that covers theft as well as damage in a collision or fire.

While most insurance has limits on individual items, RV insurance policies often include a specific allowance for awnings and gas bottles, both of which can be particularly expensive to replace.

Windstorm / Hail Insurance

Destructive hailstones and catastrophic windstorms can wreak havoc on your property and belongings. Fortunately, our windstorm/hail insurance protects your home and valuables from such incidents while paying for the losses incurred from the damage. It provides:

• Dwelling coverage
• Other structures coverage
• Additional living expenses
• Debris removal coverage
• Increased cost of construction coverage

Flood Insurance

If you live near a flood-prone area, you may have several to consider safety measures, with flood insurance being the primary one. Our flood insurance is designed to protect your home and personal belongings from various types of water damage, including heavy rain, severe coastal storms, melting snow, hurricane storm, and a river overflowing its banks. It pays to fix repaired or damaged:

• Appliances
• Heating and air units
• Carpet and flooring
• Cabinets
• Electrical and plumbing

Additional Property Coverage

Even though you're a responsible landlord and keep your rental property in tip-top shape, let's face it: accidents happen. That’s where our additional property coverage insurance can financially safeguard you. It protects landlords from damages caused to rented properties and claims beyond a typical General Liability coverage. It covers:

• Slips, falls, and trips
• Theft or vandalism
• Fire or smoke damage
• Damage caused by wind, snow, and hail
• Water-related damage, e.g., damage caused by sewer backups, burst pipes, etc.
• Loss of digital information (when tenants worked on the landlord’s computer)