When it comes to protecting your personal assets (Home, Auto ,Boat ,Personal Property, Personal Liability ) each person’s insurance needs are different. We understand this and can offer quotes from a wide variety of insurance companies ranging from large national carriers to smaller regional insurers. As an Independent Insurance Agent, we don’t represent any one insurance company rather we have the options to quote and write your policy(s) with the company that best suits your insurance needs. We take the time to gather the information, Inspect the property, run the reports and ask the questions necessary to determine which options best helps to protect your assets and property. Being that we quote with more than one company our process tends to take longer than the standard “get a quote in 10 minutes or less “pitch that some of the large national insurance companies proudly proclaim. We believe in taking the time needed to properly cover the personal assets that you’ve worked so hard to obtain. Here’s a list of types of Personal Insurance policies we write in addition to some of the factors that go into determining the cost of each.

Auto Insurance

When it comes to Personal Auto Insurance there are several factors that go in to determining the cost of your policy and what types of coverage are available to you. Your driving record, credit score, age of the vehicle, type of car you drive and claims history in addition to other factors all play a part in determining the cost of your Personal Auto Insurance. We are able to write Personal Auto insurance for everyone from the most experienced drivers to those newly licensed drivers.

Homeowners Insurance

Homeowners policies offer a multitude of coverages aimed to provide not only coverage for protecting the home itself but also coverage for your personal property and personal liability. A number of factors go into determining the cost of your Homeowners Insurance such as your credit score, claims experience, square footage, age and condition of the home and even what type of dog you have (yes that’s still a thing!) . Homeowners policies provide coverage for your personal property , however a standard homeowners policy will limit the amount of coverage available for specialty items such as your jewelry, antiques or your gun collection. These items may require additional coverage limits in order to make sure that they are properly protected. An often-overlooked part of a Homeowners policy is Personal Liability which provides protection against financial loss if you are sued or become legally liable for someone’s injuries or property damages. We’re able to write Homeowners insurance for all types of homes from that brand-new build to the fixer upper in need of renovations.

Landlord Insurance

Landlord polices are specifically tailored to protect the needs of the owners of rental properties. Many of the same factors that go into determining the cost of Homeowners Insurance are also used when quoting a Landlord policy in addition to the number of apartments in the building and whether the property is vacant. We offer policies for all types of landlords from rural homes to apartment buildings in urban settings.

Renters Insurance

Whether renting an apartment, condo or house it is important to have coverage for your Personal Property as well as Personal Liability coverage in the event that you become legally liable for someone’s injuries or property damage. We offer Renters insurance for all types of rental situations and levels of coverage.

We also offer the following types of Personal Insurance Lines:

• Motorcycle Insurance
• ATV Insurance
• Boat Insurance
• Jet Ski Insurance
• Recreational Vehicle Insurance
• Collector Car Insurance
• Personal Umbrella Policies