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Types of Insurance

We offer a variety of plans and good prices for both perfect and not-so-perfect drivers. As your cars, drivers and needs change, we will ensure your account is routinely reviewed to address your needs. We insure all types of autos….for instance, we have carriers with appetites for sports cars and carriers that specialize in classic cars.

Many consumers do not realize that homeowners policies are not the same. The age, value and type of home helps us determine which contract is the best for you. Do you know if you have the home replacement guarantee? Adequate coverage for your jewelry? Building ordinance coverage? These are areas that we will address so that your policy works for you.

Do you need term insurance or permanent insurance? Do you know how much you need? We will sit down with you and help you decide what your immediate income needs are in the event of a death. We’ll show you all your options so you are confident your life insurance plan is affordable and one that you can adjust as your needs change.

Oftentimes, condominium owners think that the condominium association’s policy will automatically cover their personal belongings. This is usually not the case. If you own a condo, you need to insure your belongings, interior improvements and personal liability. Has anyone talked to you about full value contents or loss assessment? We will!

Renters coverage is very affordable and provides four main coverages: coverage for your personal belongings, coverage for extra expenses if you have to live elsewhere after a covered loss, personal liability and medical expenses. Additional options can be added to tailor your policy to your specific needs.

Dwelling fire
We insure rental homes, condos and seasonal dwellings. As a landlord, you need to know what the policy provides for rental income in the event of a loss…has that been adjusted with rent increases? Do you have contents coverage for appliances and other furnishings that are unattached? Do you have premises liability? We will make sure that your rental home, condo, or cabin is properly protected.

This policy provides an extra layer of liability coverage to either your personal or business insurance. The basic limit is one million, and you can buy extra layers as needed at a very affordable price. Keep in mind... you don't have to be rich to be involved in a lawsuit! An umbrella policy, often called a personal excess policy, is a good investment for any household.

Boats, Motorcyles, Snowmobiles, Jetskis
We have markets for all the toys – from boats to motorcycles to motorhomes. We have some carriers that specialize in recreational vehicles, and some carriers that will insure these vehicles along with your personal autos. There are discounts for safety courses and experience.

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