Motor Vehicle

• Auto Insurance
  Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.
• Boat Insurance
  Whether your boat spends half of its life in the garage or it is out on the sea full time, boat insurance is essential. Your boat is exposed to weather and daily elements no matter where it is, and it may also be exposed to vandals or thieves. Your homeowners policy will not cover your boat whether it is on your property at the time it is stolen or vandalized or not. Ask your independent agent about how to make certain you have the supplemental coverage you need to insure your boat is protected.
• RV Insurance

Property

• Renters Insurance
  With a renter's policy, the coverage includes the inner contents of the home, apartment, or room that you are renting. This is coverage for the break-ins, the natural disasters, fires, and other circumstances that are beyond your control. Even though your landlord will have a homeowners policy on the place you are living, it does not cover your own personal items as a renter, which is why renters insurance is essential.
• Home Insurance
  Saving money is a vital concern for nearly everyone in these difficult times. Because of this, it is important that you find the best possible rate for your auto and homeowners insurance policy. Luckily, it is much easier to find a great rate for insurance now than ever before.
• Condo Insurance
  When people shop for home insurance, they are actually seeking not just one type of coverage but possibly several different varieties. Homeowners insurance, renters insurance, and condo insurance are all typically included within the category of home insurance. Whether you own the property that you live on or whether you are renting it short term, you need to have insurance coverage to guard against disasters and losses.

Health and Life

• Life Insurance
  Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy protects your family from financially worrisome situations if you are not there to provide for their needs. When you work with an independent agent, you can get the protection your family needs for less.
• Health Insurance
• Disability Insurance
  There are other options to take into consideration. Child life insurance policies provide financial aid to cover medical costs for the death of a child. Other options include accident death, critical illness, long-term care policies, final expense coverage, and disability insurance. Any can be a good investment for you.
• Long Term Care

Business

• Commercial Property Insurance
  A commercial property insurance policy could be thought of as a commercial version of a homeowners policy. You will find similar covered items, such as fire, theft, and natural disasters that pertain to the business property. If your business has some type of physical location, it would require a property insurance policy.
• Workers Compensation Insurance
  Workers that are hurt on the job can rely on workers compensation for lost income and medical expenses. This coverage is commonly required by employers, and it often extends to temporary employees as well.
• Commercial Liability Insurance

Personal

• Liability Insurance
  You may also want to compare prices on umbrella policies when you get other types of insurance. Umbrella insurance gives you extra liability coverage that exceeds your homeowners, car, or boat policy. Once the liability limits on those policies have been hit, your umbrella policy will be activated. These policies will cover liability related coverage for situations like: Rental units, accusation of libel or slander, and false arrest. The umbrella policy will fill gaps in your existing policies.