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State Directory- Auto InsuranceThe decision as to which auto insurance to go with can be just as elaborate and daunting. There are a lot of coverage options to consider from one company to another...and there are a lot of factors that go into determining the premium to be charged.
- Home InsuranceOf even greater importance is understanding the various types of Replacement Cost coverage available for your dwelling itself in a home insurance contract. Simple Replacement Cost coverage is the insurance company’s agreement to replace your home subject to the perils being insured against in the policy up to the dwelling amount displayed on the Declarations Pages of the policy but no more. That amount would be the absolute maximum to be paid out in a covered claim.
- Life InsuranceAs for coverage, there are two main types...term or whole life. Term Life is what most consumers are looking for and opt for...as it’s typically more affordable and meets a variety of needs and goals for most insureds. You can afford a much higher face value typically with term life. You select a term of anywhere from 10 years to as much as 30 years and, once approved, you lock in your monthly, quarterly or annual rate for the given term...the price stays fixed for that period. This type of life insurance product typically does not build any cash value. It can be used to serve a variety of needs for when you would need it most...your working years when you typically have considerable income to replace in your household budget and, at the same time, the greatest obligations in terms of debts, mortgages, children still in the household and not yet through college, etc. At the end of the policy term, if you’ve not passed away during the term, the policy essentially ends if you’ve not already converted it into some other type of policy coverage prior to the expiration of the fixed rate period.
- Business InsuranceGraham Insurance offers an array of insurance products to serve your various needs...whether they be the needs of an individual, a family, or a small business. In addition to various personal and business insurance products, we also offer specialty products of church insurance and farm insurance. We shop your coverage among multiple insurance companies to determine the best combination of top notch coverage and competitive pricing.
- Workers Compensation InsuranceAdditionally, we offer the full suite of business insurance products to our clients...this includes Commercial Auto, Commercial Umbrella, and Workers Compensation policies.
- Commercial Liability InsuranceWe proudly represent GuideOne Insurance...one of the leading insurers of churches in the United States. GuideOne offers Commercial Package, Commercial Auto, Commercial Umbrella and Workers Compensation policies to our church clients. Additionally, GuideOne offers Business Owner Policies to select businesses within the community as well.
- Professional Liability InsuranceWe offer select small business clients in the community various commercial insurance products including general liability, commercial umbrella liability, professional liability, commercial property and workers compensation coverage. Let us know how we might be able to serve your small business needs by requesting a quote for coverage. Click here to learn more about our Business Insurance.
- Liability Insurance
- Flood InsuranceThe standard home insurance policy contract excludes coverage for flood damage. Flood insurance is a separate policy product and coverage is relatively inexpensive to insureds who don’t reside in a designated flood zone...these policies are commonly written through the National Flood Insurance Program and are administered by the Federal Emergency Management Agency (FEMA). The policies themselves are written on the paper of the various property insurance companies and commonly cover up to $250,000 on dwellings and up to $100,000 on contents. The most commonly selected deductible, and typically the lowest offered as well, is $1,250 on the dwelling and $1,250 separately on contents. Annual premium for NFIP flood policies qualifying for the Preferred Risk Program typically ranges from $400 to $700 annually. For insureds with homes in a designated Flood Zone, premiums are typically higher and coverage is available through both the NFIP and through private insurers.