AUTO

Auto Insurance includes both auto liability and auto physical damage insurance. Auto liability insurance protects the insured against financial loss because of legal liability for automobile-related injuries to others or damage to their property by an automobile. Auto physical damage insurance insures against damage to the insured's own vehicle. Coverage is provided for perils such as collision, vandalism, fire, and theft. Various options are offered for many of these coverages.

Homeowners

A package insurance policy providing property and liability coverages tailored to the needs of most home owners, condominium owners, and apartment tenants. Various versions are available depending on the type of dwelling insured and the scope of protection to be covered. It is the most commonly used insurance policy protecting homes in the United States.

Renters

A renters insurance policy offers you coverage for the theft, loss or destruction of your personal belongings in the event of a fire, storm or other covered peril.

INLAND MARINE

Inland Marine coverage provides coverage for certain personal property.  Items are usually scheduled and listed on the policy.  This coverage can be added to a Homeowners or Renters policy or be written on a stand-alone policy.

Umbrella

Umbrella insurance is extra liability insurance designed to help protect you from major claims and lawsuits. As a result, it helps protect your assets and your future by providing additional liability coverage above the limits of your homeowners, auto, and boat insurance policies.

Motorcycle

Motorcycle insurance can include liability, physical damage and also various optional coverages.  Some coverages are required by law to operate your motorcycle and others are optional.  Contact our Staff to discuss various coverages and options.

Boats/WATERCRAFT

The most common type of watercraft policy for individuals and families. This policy combines property, liability, medical payments, and uninsured boat owners coverage. It fills the coverage gap found in most homeowners policies, particularly with regard to property coverage.  There are also various optional coverages that can be purchased.  Some boats can be insured on your homeowners policy but others may require a separate policy.

Recreational Vehicles

Companies will insure recreational vehicles on auto policies, home policies or sometimes separate policies depending on the type of vehicle.  Some recreational vehicles need liability and medical coverage, and others need physical damage coverage. Contact our office to discuss available options.

COMMERCIAL INSURANCE

Commercial Insurance provides coverage for businesses to protect against potential losses through unforeseen circumstances like theft, liability, property damage, and for coverage in the event of an interruption of business or injured employee. Types of commercial insurance policies include Commercial Auto, Commercial Property, Commercial Liability, Commercial Inland Marine, Commercial Packages, Business Owners, Workers Compensation and Bonds.

Life and Health

Life Insurance protects against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.  Health Insurance covers medical and surgical expenses that are incurred by the insured either by reimbursing the insured for expenses incurred from illness or injury or paying the care provider directly. Health insurance is often included in employer benefit packages as a means of enticing quality employees.