AUTO INSURANCE

How Much Insurance is Enough?
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.

So what do you need?
It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.

Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
For some people, a car expresses the essence of their being. To others, it's an object to get from point A to point B. We offer a variety of coverages and companies to choose from, based on your specific needs.

Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone

Uninsured motorist coverage pays the cost to repair or replace your vehicle as well as any medical expenses you might have when you're in an accident with someone who has no insurance. Keep in mind that many states require certain minimum levels of coverage. We'd be happy to talk with you about these and other factors

Depending on the company you choose, you can get discounts for:

Being a Good Driver

Being a Good Student

Driving a Safe Car

Other advantages you could enjoy:

Free Windshield Repair

24-Hour Claims Hotline

Flexible Payment Options

Advantages vary from company to company, and some require the purchase of certain coverages. We'll review your options with you to find the company and coverage that are right for you.

Auto Insurance Quote
To obtain a free, no-obligation quote for your car or other personal vehicle, fill out our online form and we will contact you.

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HOME INSURANCE

How Much Insurance is Enough?
The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one. This is an important insight into why your Dwelling (Coverage A) limit is so important.

Deciding How Much Insurance is Enough
We'll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed. It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home's true replacement cost, some companies will pay more than the limit if a covered loss is greater that the limit on your policy. Ask us if Home Replacement Guarantee, is available in your state. Once a review of your home and possessions indicates that you are properly insured, it's a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements.

Be Sure You Have Enough Insurance
Here are some steps you can take to reduce the danger of being seriously underinsured:

Call us. If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.

Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured seperately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don't understand, contact your agent and ask for an explanation. At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.

Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits? Find out whether your insurance company will stand behind agreed upon repairs after a claim. Some companies are willing to put this guarantee in writing.

Your home is probably your most valuable asset - both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company; we can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:

Having a burglar alarm

Having a newer home

Being claim free in the past

Insuring your vehicles with the same company

Other advantages you could enjoy include:

24-Hour Claims Hotline

Flexible billing - including coordinating with your mortgage company

Living expense if your home becomes uninhabitable due to a claim

Home Insurance Quote
To obtain a free, no-obligation quote for your home and personal belongings, fill out our online form and we will contact you.