Home & Property

Your home is arguably your most valuable investment. Keep it protected with the best insurance policies. Homeowner’s insurance covers a private residence. It is a package policy that covers damage and losses to your house and property, as well as your legal responsibility for any injuries or property damage sustained by others while at your residence.

Mobile Home Insurance

Mobile homes are susceptible to damages and incidents that houses aren’t. We can keep your mobile, manufactured, or modular home protected from the unexpected. Mobile home insurance is similar to standard home insurance, but the increased risk of severe weather damage, fire, and theft proven to affect mobile homes leads to a need for more unique insurance options.

Landlord Insurance

Renting out properties is a great way to turn a profit on large investments, but things can go wrong quickly when natural disasters and bad renters cause damage. Protect your properties with affordable landlord’s insurance. Landlord’s insurance protects you from financial loss associated with rental properties you own. Policies typically cover the entire building, as well as any interior property you own, such as washers, dryers, and furniture.

Renters’ Insurance

When you rent, you put yourself and your property in unknown territory. Protect your assets from the unexpected with renters’ insurance. Renters’ insurance is like homeowner’s insurance, but you take it with you even if you move. It protects your personal property and provides most of the benefits of home insurance, including liability insurance. However, it does not protect the dwelling or structure of the home itself, which is the landlord’s responsibility to insure.

Earthquake Insurance

The powerful and unpredictable nature of earthquakes can bring destruction to your home in the blink of an eye. Keep your assets protected in the face of disaster with earthquake insurance. Earthquake insurance protects your home and belongings from the damage that occurs when an earthquake hits. Like flooding, earthquake coverage is excluded from most comprehensive home insurance policies. Earthquake insurance usually comes with a fairly high deductible, so this insurance may not be on your radar unless your home resides in an area where earthquakes are likely. Still, all 50 states are susceptible to earthquakes, and damages caused by these natural disasters are not covered by your homeowner’s insurance. Adding earthquake insurance to your policy provides extra protection in case your home is damaged — or completely destroyed — by an earthquake. The rate for your deductible depends on your home’s location, its building materials, and the likelihood of an earthquake.

Farm Insurance

Your farm isn’t just your home — it’s your livelihood. Whether your farm is large or small, discover how to protect your land and all its assets with our insurance policies. Your farm or ranch is a hybrid of home and business, so you need a unique policy to keep it protected from every angle. Our insurance providers offer policies that protect every farm, from small startups to industrial production growers. You’ve invested thousands, or even millions, of dollars in your land, animals, and equipment. Protect your investments from the unexpected with an insurance policy that covers it all. Talk to an agent about product availability and how much coverage is right for you based on your farm’s value and risk factors.

Valuable Items Insurance

Jewelry, artwork, cameras, firearms, collectors’ items…your home is full of things you value that go beyond the basics. Keep them protected with Valuable Items insurance. Homeowner’s insurance policies offer protection for your personal belongings, but only to an extent. While it may cover your furniture, clothing, electronics, and appliances, you likely won’t be fully compensated for damage or loss to those expensive odds and ends that you value on a more personal level.

Dwelling Fire Insurance

Coverage for even the most extreme, unexpected circumstances. Although dwelling fire insurance sounds a lot like insurance that protects a home from fire damage, that’s not all there is to it. Dwelling fire insurance covers several different areas that you may not even think would happen to your home. It is meant for homes that are vacated, rented, and seasonally used. Not just owner-occupied.

Umbrella Insurance

Identity Theft Recovery Coverage

You would want to insure your most valuable items against theft. Why not your identity and personal records, too? If you or someone you know has ever dealt with identity theft, you know it can be an enormous expense of time and money to get things back to normal. Identity Recovery Coverage (IDR) is designed to help you through the process of recovering your stolen information, correcting your credit score and personal records, and covering costs associated with the information theft. IDR is available for a very low premium, and can easily be added to your pre-existing homeowner’s or renter’s insurance policy.

Life

Insuring Your Life

Be there for your loved ones, even after you’re gone.

Life insurance is the one form of insurance policy that has nothing to do with protecting you, but financially protecting your beneficiaries if you die. There are several different kinds of life insurance, but the most common are term insurance and permanent insurance.

Term insurance provides only protection and flexible premiums for a specific period of time, during which, if you die, your beneficiaries will be awarded a benefit. People usually opt for term life insurance until they reach a point where they consider it “safe” to withdraw, such as when their home is paid off or their children graduate from college. Permanent life insurance provides lifelong protection to beneficiaries and is priced for you to keep over a long period of time. This type of insurance acquires cash value, and the premiums are usually fixed.

Annuity Insurance

Grow your funds. An annuity is a policy in which you put money into in order to grow those funds and receive them as income. That income can be received either immediately or at a later time with a rate of return, such as during retirement. You can choose to either pay a lump sum or a number of payments paid yearly.

Disability Insurance

Financial stability in tough times. Everyone relies on a paycheck to provide for them, but what happens when that paycheck stops due to a disability? Mortgage, rent, or car payments don’t go away. Disability insurance is designed to protect those who experience a disability that prevents them from performing their job’s core responsibilities. Most people don’t have months of savings to back them up. So rather than use retirement savings early, you can rely on disability insurance to help you cover those large monthly payments.

Long-Term Care Plans

Make sure you are protected and cared for throughout your times of need. Long-term care allows you the care you’ll need if you become chronically ill or unable to perform necessary activities without assistance.

Short-Term Care

Receive the disability care you need until your recovery period is through. Short-Term care is disability coverage for a short period of time. This will cover your income once you have expended sick-leave at your place of employment.

Universal Life Insurance

Coverage that saves you and your money. Also referred to as a “UL” policy, a Universal Life Insurance plan is a flexible form of permanent life insurance. It allows you to protect your loved ones and build tax-deferred cash value by paying additional money to a life insurance premium to “overfund the policy.” That additional money builds cash value, along with interest, that may be borrowed from or used to subsidize your life insurance policy cost in the future. You may also temporarily decrease your payments or occasionally skip a payment, as long as you repay any money taken from your cash value.

Term-Life Insurance

Protection for only when you need it. Term-Life Insurance is one of the most affordable types of insurance and provides protection during the “term” during which you pay premiums for.

Common types of term life insurance include:

Basic Term Life: paid by your employer for a set period of time to provide your beneficiaries plenty financial support.

Supplemental Term Life: paid by you as the employee to allow you to purchase coverage as needed according to your situation in life.

Dependent Term Life: Provides coverage for your spouse, partner, or eligible children.

Mortgage Term Life:  Provides funds to help pay a mortgage in the event of a premature death. The death benefit begins decreasing after 5 years of coverage, earning it the name “decreasing term” policy.

Whole-Life Insurance

Coverage for a lifetime Sometimes called “straight life” or “ordinary life,” Whole-Life Insurance covers your entire lifetime. It helps those you leave behind to deal with expenses and loss of income by building cash value that grows tax-deferred and can be accessed throughout your lifetime.

Final Expense

Coverage that helps you in the end. Did you know that funerals now cost between $7,000-$10,000? After losing a loved one, trying to cover such a massive expense can be a lot to take on. The last thing you need during a hard time is more added stress. In the difficult time, final expense life insurance is there to help make your darker days a little brighter. Anyone between the ages of 50-85 with pre-existing health conditions are able to start their final expense insurance policy starting at as little as $10 a month.

Children’s Life Insurance

Insurance begins when they do. Children’s life insurance can be purchased two different ways: through your term life or whole life insurance. A certain amount of your money for both policies can be extended to your child. That way once the child is old enough, they can become the policy owner. Many find having life insurance for children is very beneficial because it locks in a child’s ability to qualify for more life insurance later. It also provides much-needed savings and funding for expenses later on down the road. You don’t have to wait to purchase life insurance. When you begin putting back now for your child, the better coverage they will have down the road. Ensure their future now by adding Children’s Life Insurance to your plan today.

Health Insurance

Feel Better with Good Health Insurance

You will thank yourself later. Health Insurance Association of America defines health insurance as “coverage that provides for the payments of benefits as a result of sickness or injury” as well as “insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.” It is broken up into two main categories: Fee-for-Service and Managed Care. Although both plans are not entirely like the others, they both can cover areas such as medical, surgical, and hospital expenses as well as a prescription drug and dental coverage. As people, we are susceptible to accidents and illness whether we like it or not. Although it would be nice to plan for such instances, that is not always possible. When or if that moment comes and you find yourself without health insurance, you might be facing serious consequences on top of your pre-existing issues. However, with health insurance to help you, you don’t have to have any more added stress and can instead feel relaxed knowing you will be taken care of.

What It Covers:

• Long-Term Care
• Short-Term Disability
• Long-Term Disability
• Prescription Coverage

• Dental Coverage
• Medical Expenses
• Surgical Expenses
• Hospital Expenses

Dental Insurance Plans

Make sure your dental health is protected throughout the years to come. Dental insurance covers medical expenses related to dental care such as annual teeth cleanings and dental related procedures and emergency visits.

Marketplace Insurance

Helping you navigate the world of health insurance. That’s why our agents are here to help you find the best plan for you and your family. As independent agents, we are familiar with shopping various plans from multiple carriers. This proves to be very helpful for our clients when it comes to determining the best coverage plan through the insurance marketplace. Families who don’t have health insurance coverage through an employer can choose a health plan from the Marketplace and pay for it on their own. If you are self-employed or unemployed, or if you don’t want the insurance plan offered by your employer, you also may want to take a look at the insurance marketplace. Ask our agents how we can help you find the best coverage for your needs today.

Medicare Supplement Insurance

Filling in the necessary gaps. This type of insurance, also known as Medigap, helps cover the cost that Original Medicare doesn’t such as copayments, coinsurance, and deductibles. It also offers coverage that Original Medicare doesn’t have like medical care when you travel outside of the United States. It doesn’t, however, cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing. While Original Medicare is very beneficial, many find that it leaves you with a lot of gaps in terms of out-of-pocket fees. Such gaps can really add up over time, which is why Medigap can help. Get in touch with one of our agents today to learn if this coverage can benefit you.

Prescription Drug Plans

Making it simpler to get your medication. Unfortunately, prescription drugs can get very expensive without a good insurance plan. If you need an ongoing prescription medication for your wellbeing, our agents can shop various health plans for you that provide drug benefits to suit your needs

Vision Insurance

Don’t hold back from protecting one of your greatest senses. Vision insurance covers annual eye exams as well as other eye-related medical expenses. Not all general health insurance plans cover vision, so be sure yours and your family is protected.

Auto Insurance

Protect your everyday vehicles, classic cars, motorcycles, ATVs, and more.  Auto insurance is coverage for the vehicles you drive and what can happen as a result. Driving can be unpredictable, and our insurers’ comprehensive auto insurance packages provide protection from any unforeseen circumstances. No matter if you use a car or a motorcycle as your main mode of transportation, you’ll want to make sure you’re financially protected, should an accident happen along the way

• Liability
• Comprehensive coverage
• Collision coverage

• Uninsured/underinsured motorists
• Rental car reimbursement

Motorcycle Insurance

Protect your motorcycle. Motorcycle insurance provides protection against injury due to a motorcycle accident or liability from a motorcycle driver and the actions they take.

Antique & Classic Car Insurance

Protect your antique & classic cars with an insurance plan unique to your hobby. Our antique & classic car insurance package has been specifically designed to protect these valuable collectors’ cars.

Recreational Vehicle Insurance 

Explore the world along with your coverage options. Although taking a trip in your recreational vehicle is fun and exciting, it doesn’t mean that you won’t face serious consequences. Your vehicle, whether it be an RV, camper, or motorhome, is still a vehicle that needs to be insured in case anything were to happen to it on the road or even when it is parked. Recreational vehicle insurance covers two major areas: Liability Coverage and Property Coverage. Both ensure that your vehicle is protected whether you are driving or not. If you or your family enjoys taking your recreational vehicle out for trips, especially to the wilderness, having it insured is one of the best things you can do. When taking your vehicle out into places such as the wilderness, which is known to have uncontrollable forces, you increase the chances of something going wrong. The last thing you need happening on your fun family trip is for you to experience serious losses. By being insured, you can avoid any possible trouble and focus on what matters most: having fun!

What It Covers

• Liability Insurance
  – Covers Cost of Environmental Cleanup After Accident
• Property Coverage
  – Financial Compensation For: Physical Damage, Vandalism, Theft, and Collision  Reimbursement of Personal Belongings 

ATV Insurance

Explore all terrains with confidence.

All Terrain Vehicle insurance protects against damages to your ATV as well as any bodily injury that may occur as a result of its operation. ATV insurance policies can cover a great deal of vehicles that one might not consider to be ATVs.

RV Insurance

Go more places without worry. Recreational Vehicle Insurance covers motor homes, airstream trailers, mounted truck campers, and more. This coverage protects owners from problems unique to RV owners.

Boating Insurance

Protect your boat all season long. An insurance plan for recreational boats used for fishing, sailing, and other water activities.

Travel Insurance

Leave your troubles behind on vacation. Planning to go on an adventure? Great! Prepare for whatever might come your way with a travel insurance package. Should anything happen when you’re on vacation our travel insurance will cover medical bills, loss or damage to your possessions, and more.