Auto

For some people, a car expresses the essence of their being. To others, it's an object to get from point A to point B. We offer a variety of coverages and companies to choose from based on your specific needs.

Depending on the company you choose, you can get discounts for:

  • Being a Good Driver
  • Being a Good Student
  • Driving a Safe Car
  • Having a Homeowner's Policy with Your Auto Insurance Carrier

Other advantages you could enjoy:

  • Free Windshield Repair
  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Payment Options

Advantages vary and some companies require the purchase of certain coverages. We'll review your options with you to find the company and coverage that are right for you.

Home

Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.

Coverage availability and prices may vary by company. We can help you determine which of the several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

  • Having a Burglar Alarm
  • Having a Newer Home
  • Being Claim-Free in the Past
  • Insuring Your Vehicles with the Same Carrier

Other advantages you could enjoy:

  • 24-Hour Claims Hotline
  • Guarantee on Repairs
  • Flexible Billing-Including Coordinating with Your Mortgage Company
  • Living Expense if Your Home Becomes Uninhabitable Due to a Claim

Life

Life Insurance is a crucial step in planning for your future and the future of your loved ones. It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company. Life insurance can also provide benefits while you are living.

Advantages of the Death Benefit:

  • Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate taxes or virtually any financial need you leave behind.
  • Can provide business security by enabling partners to buy out the business of a deceased partner and prevent a forced liquidation.

Advantages of Living Benefit:

  • The cash value growth of a permanent life insurance policy is tax-deferred, which means you do not pay taxes on the growth of the cash value unless the money is withdrawn.
  • Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses such as college tuition or the down payment on a home.

Business

Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.

We offer:

Loss Control Programs

  • With our insurance company partners, we can evaluate your business' current conditions and recommend ways to lower property, auto worker's compensation or liablity losses. Lower losses will not only reduce your insurance costs, but also increase your productivity by avoiding downtime.

Quick Claim Response

  • When you do have a claim, you need fast, fair service. As independent agents, we work to make that happen. That's why we only represent companies with excellent records for selling claims fairly and promptly.

Competitve Rates

  • Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing. To see if your business qualifies for one of these special programs, contact us for more information.