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Every state requires you to have auto insurance — but do you know why? Having auto insurance is a great benefit to you and protects you in many ways:
• Protects your vehicle investment.
• Protects you against medical expenses after an accident.
• Protects you against damages from a lawsuit.

• Protects you from uninsured or underinsured motorists.
• Protects you from expenses for repairs due to things like theft, vandalism or other disasters.
• Bonus: It provides peace of mind every time you hit the road.

A homeowner’s insurance policy offers protection for your home and the belongings inside. It’s a way to help you replace or repair your belongings if they are damaged, destroyed or stolen. Homeowners insurance also provides liability coverage against accidents in your home, on your property and sometimes off your property so you can stay focused on what matters most.

Basically, homeowner’s insurance is a policy that combines two main types of coverage:
Property coverage. This helps when your home and your possessions are destroyed or damaged by certain events, such as: fire, theft or storms.
Liability coverage. Here coverage steps in if you injure someone or cause damage to their property accidentally. It also helps if your children or your pets accidentally cause bodily injury to another person.

Buying life insurance seems daunting. But most people can start shopping by making one key decision:
Do you need term life insurance or whole life insurance?
Both types have their benefits and drawbacks: Term life insurance is affordable and straightforward, and whole life doesn’t expire but is more expensive. To decide between term or whole, it’s important to know how they’re different and what makes them right for your financial scenario.

Permanent Life Insurance and Universal Life Insurance cover the Customer for their entire life and build cash value over time, while Term Insurance is effective for a specific number of years.

Commercial insurance consists of one or more types of coverage designed to protect businesses, their owners and their employees. Many business insurance policies include basic coverages such as property, liability, crime and commercial auto insurance, as well as other optional insurance, such as business interruption insurance, equipment breakdown insurance, and workers compensation.  We also offer Surety bonds which help ensure that contractors stick to the terms of a construction contract and/or follow governmental rules and regulations, as well as protect against losses stemming from a court decision or employee theft.

Workers Compensation covers employees injured in the workplace or in the course of their employment. It pays for medical bills and lost wages as required by state law. The policy also provides employers’ liability insurance for legal liability imposed on an employer to pay damages to an employee injured by the employer’s negligence.

Many renters are under the impression that their landlord’s insurance policy will cover their belongings, unfortunately that generally is not the case. Your landlord’s policy covers the building itself, but it may not include your personal belongings, and may not cover injuries sustained within the structure.

That’s where renters insurance comes in. Renters insurance protects your personal property in a rented apartment, condo or home from unexpected circumstances such as theft, a fire or sewer backup damage – and will pay you for lost or damaged possessions. It can also help protect you from liability if someone is injured on your property

Umbrella Insurance provides an extra layer of liability protection. It provides an additional $1 million* in coverage for insureds and eligible family members of insureds against lawsuits arising from personal injuries or property damage claims. This coverage is over and above the liability coverage provided from auto and home policies.

*higher limits available

Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular health insurance does not cover. Some supplemental insurance plans will pay for out-of-pocket medical expenses, such as deductibles, copayments, and coinsurance.