Motor Vehicle

• Auto Insurance
  All of the Insurance companies we represent provide a wide range of auto Insurance products at a fair price. Your price gets even better if you qualify for any of our available discounts. When applying for auto Insurance in Williamsport, Pennsylvania, you're usually asked whether you want collision and/or comprehensive coverage, how high you want your deductible to be, what liability limits you want, and whether you want any types of optional coverage. We can help you understand what these terms mean and how much coverage is right for you.
• Motorcycle Insurance
  We are a Pennsylvania based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Pennsylvania to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.
• Boat Insurance
• RV Insurance
  And don't forget, many of your favorite toys have trailers you may also want coverage for.
• Mobile Home Insurance
  We pride ourselves in customer service with the lowest possible rate. Just contact us today at (570) 326-4188 to find your next Pennsylvania mobile home or manufactured home insurance policy. We service mobile home insurance policies in Williamsport, Pennsylvania area.
• ATV Insurance
• Inland Marine Insurance
• Truck Insurance
  Commercial Auto Insurance insures your vehicles for physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. This type of business insurance covers a variety of vehicles and is also referred to as commercial car insurance, truck insurance, or fleet insurance. Our agents at W R Sims Agency Inc will help you find the best coverage you need for your business.
• Jet Ski Insurance
  Consult with one of our professional agents at W R Sims Agency Inc to make sure you have the right coverage at a competitive price. We can evaluate your boat or jet ski insurance needs to find special coverages you may need or any discounts you may qualify for. Some additional discounts and coverages may include...

Property

• Renters Insurance
  You may be speculative why it's necessary to hold a renters insurance. Rental properties, particularly apartments are thought-about risky once it involves potential claims. You share a building with plenty of individuals where fires, theft, and water harm are sometimes frequent. There are many potential risks and your property is in danger. The items you own are valuable and you should shield them from a loss. Besides, renters insurance in most cases is extremely cheap.
• Home Insurance
  Flood damage can be devastating for any family, and most flood losses are not covered by your standard home insurance policy. Also, don't rely on the federal government to assist you in the event of a massive flood situation.
• Condo Insurance
  Condo Association insurance can help but it often is meant for the building itself rather than what's inside. This is where a condo insurance policy is different from a homeowners policy because you usually will just need to cover the valuables inside your condo.

Health and Life

• Life Insurance
  Pennsylvania Group Life Insurance is usually offered as part of your employees benefit package and covers an entire group of people. Policies are not based on an individual's lifestyle habits or health factors but the employees are grouped together and rates are based on the risk of the group as a whole. The coverage costs are usually much less than if the employee purchased an individual policy.
• Health Insurance
  Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
• Long Term Care
• Dental Insurance

Business

• Business Insurance
  At W R Sims Agency Inc, we pride ourselves in evaluating your business insurance needs in Williamsport, Pennsylvania. We take the time to find out the different challenges your industry may have for insurance concerns and tailor a package that fits your risks. We also look at other exposures your business may have according to your personnel, location and future plans.
• Commercial Property Insurance
  Commercial Property insurance covers the building that your business owns or rents. A Pennsylvania commercial property insurance policy would also cover equipment, computers, tools and furniture. Let the agents at W R Sims Agency Inc evaluate your commercial property insurance needs to find the best suite for your liabilities and risks.
• Workers Compensation Insurance
  At W R Sims Agency Inc, having a workplace that is protected gives you extra security. As a Pennsylvania employer, you have an obligation to ensure a safe work place and the law requires a business to have Workers Compensation Insurance. Work Comp insurance can provide the coverage to protect you from those unpredictable occurrences.
• Commercial Liability Insurance
• Professional Liability Insurance
  Professional Liability Insurance or PLI is a form of liability insurance necessary to help protect businesses in the service or consultant industry. A claim of negligence can be very damaging to a growing business and if the claim results in monetary damages can be catastrophic.
• Builders Risk Insurance
  A builders risk policy protects builders and contractors from losses to property and financially in the event of an incident. Losses may occur to the property or structure but may include the materials used on the job site. Our agency can help protect you in the event of a fire, flood or theft. You may also opt to have additional coverage in the event of losses due to project penalties or unexpected costs, like taxes.
• Restaurant Insurance
  We have built upon our experience to develop a portfolio of coverages to address every facet of your restaurant operation. Available coverages include...

Personal

• Annuities
  You should consider annuities when developing your long term financial plan. Annuities give your the opportunity for lifetime payments and tax-deferred earnings. Our advisors at W R Sims Agency Inc can assist you in mapping our your retirement strategy and how annuities can help your financial security.
• Liability Insurance
  Umbrella insurance is there to protect you if you are liable for something big. Similar to an umbrella, it is there to fill in coverage caps that you may have from your other insurance policies.
• Jewelry Insurance
  There may also be other coverages that you many want to consider in addition to your basic homeowners policy. These may include personal umbrella, automobile, flood, earthquake or jewelry insurance. Our agents at W R Sims Agency Inc can help you understand your other risks and help you evaluate whether you may need additional coverages in your Pennsylvania home insurance plan.
• Wedding Event Protection
  Your wedding is one of the biggest days of your life and you don't want have to worry about the unexpected. Let W R Sims Agency Inc help you find the right wedding insurance coverage to protect your special day. Wedding insurance can help cover those incidents that may occur during your event including accidents, damage or loss.

Natural Disaster

• Flood Insurance
  Your standard Pennsylvania flood insurance policy would apply to homes, condos, mobile homes, businesses and rentals that are in flood zone areas. Typically, your flood insurance policy is dependent on your flood zone risk.