​Many people think insurance is a bit dry. Well we want to help change that. Here are some interesting insurance facts you may not have thought of.

• Starbucks pays more for employee health insurance than it pays for coffee.
• Although the concept of insurance can be traced back to ancient civilizations, the first known insurance contract was signed in 1347 in Genoa, Italy.
• Did you know a few homeowner policies provide coverage for Kidnap and Ransom?
• The most expensive insurance policy in the world belongs to the American director Steven Spielberg, his life was insured for $ 1.2 billion.
• Your driving record can predict how long you will live.  Research shows people with no tickets or accidents live longer on average regardless of the type of death.
• Your home insurance probably covers volcano and meteor damage
• If a tree from your property falls and damages your neighbor’s fence, whose insurance do you think pays for the damage? Do you think it would be your insurance or your neighbor’s insurance?   It’s your neighbor’s insurance.  Why?  The reason is that this is considered an Act of God.  Unless you were aware the tree was in danger of falling, it’s your neighbor’s insurance that is on the hook.

We are committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible. 

Our agency truly values the long term relationship with our clients, and are proud to give families, individuals and businesses the personal attention required when it matters most. When claims arise, we realize that it can be very stressful and will do everything possible to assure timely and complete recovery.

Your landscaper falls from your tree while he is pruning it, and the injuries send him to the hospital.  His medical bills are about $5,000 and he does not have any insurance. Will your homeowner's insurance cover you if the worker decides to file a lawsuit?
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Most homeowners do not fully understand that they could be liable for damages from a maid, landscaper, or contractor if they are injured on the homeowner’s property.  Homeowner’s insurance is designed to cover you for losses to third parties when you are responsible for the injury.  Homeowner’s insurance does not cover business operations.

How to make sure you are protected

• Make sure all contractors have liability and workers’ compensation insurance.
• Understand the difference between an employee and contractor.
• When it comes to coverage for home workers, every homeowner's insurance policy is different. Your policy may include a provision that provides limited coverage for minor workers performing lawn mowing or other tasks that require the use of power tools on your property.
• Your homeowner’s insurance policy may specifically exclude domestic workers such as nannies or maids.
• If you discover that your homeowner's policy offers limited or no liability coverage for workers, you may consider purchasing additional liability insurance. 

Summer is here for most of us, which means getting outside, traveling, playing sports, and completing home improvement projects. But spring and summer can be dangerous. Here are some of the most common claims that occur in spring and summer.

• BBQ fires
• Boating accidents
• Car accidents
• Drownings
• Bike accidents
• Home burglary

Having the proper personal insurance can help if and when claims occur.

We can provide personal insurance options that fit your individual needs. That may mean a personal umbrella for added protection, competitive coverage for a vacation home, life insurance, disability insurance, or even mortgage protection coverage. It may also mean we advise you to increase your deductibles on older vehicles. If you have a custom home, we would recommend adding the feature to your homeowner’s insurance that is designed to provide the needed replacement coverage in the event of a loss. 

Home Insurance – Do you have true replacement cost coverage. Are you insuring your loss of use if your home were destroyed?

Auto Insurance – We recommend buying more than the state minimum requirements for liability coverage. The small additional premium can help protect your financial future. 

Motorcycle Insurance - 24-Hour Roadside Assistance, your bike breaks down in the middle of a long road trip. Count on roadside help with this coverage
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Watercraft Insurance - Protect your watercraft and trailer, including options for agreed value and emergency services.
 
 
 

We can help you determine the right homeowner’s insurance coverage
Every year there are many new homeowners who look to us for help with their first home. Understand homeowner’s insurance can bring stress and misunderstanding, and we are here to help you find the right combination of coverage, price, and service.
We find most first-time home buyers may not understand what is covered and not covered under a typical home insurance policy. Many times the mortgage company will require insurance, and the homeowner won’t question the coverage specifics. But it is just a minimum requirement for what you are purchasing. If you are an uninformed buyer, you might not address every possible scenario that might be covered by another policy.
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Keys to understanding your home insurance policy

• Talk to an agent who can out the coverage you actually need.
• Ask about policy exclusions.
• Read your policy.
• Understand the difference between insurance and just mortgage insurance.
• Ask about coverage for fences, landscaping, and other outbuildings.
• Consider insurance for loss of use and extra expense.
• Do you have guns, jewelry, art, or other collectibles?

A good agent will be willing to meet with you to review all your questions and provide the coverage you need.