Auto insurance will protect you against those unexpected accidents. Whether you hit a tree, an uninsured hits you, or you hit another vehicle or pedestrian, it is imperative to have appropriate coverage. The insurance laws are constantly changing, by having a brokerage and trusted agent, you can be sure regardless of what is required by the state, you pick out insurance that truly protects you fully, so you can rest easy that this policy has your back!

Home insurance is available to protect your home and belongings against fire, smoke, vandalism, theft, hail, or similar events. It is important to know that flood, earthquake, and other exposure are typically excluded from this coverage. When determining how much coverage you need, we work hard to do a detailed replacement cost calculation, and always make sure to have full replacement cost on the structure and your personal belongings.

Umbrella insurance can provide coverage for injuries, property damage, certain lawsuits, and personal liability situations. Not only is it an extra layer of protection above and beyond your underlying home and auto policies, it also covers claims that might be excluded on your other policies including, but not limited to, false arrest, libel, slander, and liability coverage on rental units you own. Umbrellas can range from $300 to $1,500 depending on the amount of exposures we are protecting for you!

Having an investment property is a great financial move, but adds extra exposures that are needing to be covered. We want to protect the structure itself, any personal items you furnish inside of the home, and of course loss of income coverage. Each renting situation is unique whether it is long or short term rental exposure, the level of furnishing you provide, and the amount of rent you charge.

Depending on the items you own including but not limited to boats, golf carts, ATV’s, trailers, motorcycles, etc. insurance might not be required if they are not licensed for road use and/or if they are paid off. There is still a liability exposure there, and those items are typically inexpensive to cover, and protect you in the worst case situation.