Motor Vehicle

• Auto Insurance
  Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Property

• Renters Insurance
• Home Insurance
  Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Health and Life

• Life Insurance
  There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
• Health Insurance
  Group Health Insurance Choosing a health insurance plan for your employees is an important decision. We help you to make informed choices that will save you time and money. There is no one, “best” plan but there are some individual and company health insurance plans that are better than others for your particular needs and preferences. Your preferences determine not only which health plan is best for you, but also what type of health coverage (ex. PPO, HMO, Health Savings Account, or point of service plan) will make you and/or members of your group plan feel the most confident and comfortable. Altenbern Insurance works diligently on the behalf of individuals and companies. We analyze health care needs on a company-wide basis, and provide you with information and quotes from a wide range of reputable, well-established, national companies.

Business

• Business Insurance
  My family and I have been with John Altenbern and his team since 1999 and have used him for all of our policies since. He is very knowledgeable and effective in managing all levels of needs from auto, home, life, umbrella, and small business insurance. Better yet, he is always accessible, aligns himself with clients needs, and handles any problems quickly and efficiently. He has personally helped us out on more than one occasion and I would highly recommend John and his services to anyone.
• Workers Compensation Insurance
  Workers compensation insurance provides coverage for injuries and deaths of employees while on the job. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Personal

• Liability Insurance
  If you have a personal umbrella liability policy, there’s generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.