In addition to the liability insurance the law requires you to carry, we can help you with other coverage that could save you thousands of dollars in the event of an accident or natural disaster that damages or destroys your vehicle or injures you or your passengers. Do you know what limits you have and what those limits mean? Most people do not know because they find insurance to be confusing or perhaps even overwhelming. We can explain it simply and thoroughly and make sure you understand your level of protection.

Your home is one of your largest investments. We can provide coverage for the roof over your head and everything under it. Are you getting all the discounts to which you are entitled? Let us review your coverage and make sure.

Do you know what would happen if you were no longer able to provide for your family? Perhaps you own a business.  Is there a mechanism in place to help fund a succession plan?  Too often we become busy with life and procrastinate on putting the necessary safeguards in place.  There are a wide variety of life insurance policy structures available.  We can help you decide what best suits your needs and budget.  Don’t delay as you could be one doctor visit away from being uninsurable.  Now is the time to consult with one of our life insurance specialists. 

An umbrella policy (excess liability) is the additional protection you need in case a judgment against you exceeds the liability limits of your existing auto or homeowners policy. The premium for this coverage is minimal in comparison with the protection it provides in these litigious times. You do not have to BE a millionaire to be sued like one!

Do you work from home or have a home-based business? Standard Homeowners or Renters Insurance will not cover some equipment, or your liability if a client is injured at your home. Do you have a lot of inventory? Are you meeting clients or business associates in your home office? Do you operate a daycare in your home? It helps to have an agent who can work with you to determine if your business inventory, equipment, and liability are correctly insured. Let’s ensure you are not putting your existing coverage at risk. 

Are you a classic car fan? Do you have a project car sitting in the garage? Do people turn their heads to look when you drive by? You might want to consider specialty or collector auto insurance. Whether you are looking for a guaranteed value, comprehensive only (for a vehicle that is not road-worthy but has value), or a policy that will protect your investment as you put money into a rebuild, special cars should have special insurance. It may be cheaper than you think to get better coverage for your unique vehicles!

Do you have a recreational vehicle? Do you rent it out for others to use? Does your insurance cover that? Do you leave a camper unattended at vacation property? Do you have liability for the camper? Are you touring the country in an RV? Whatever your needs, we can make sure your recreational vehicle has the right insurance.

Sometimes you need insurance for exposures that aren’t covered by a standard insurance policy. Whether you need liability insurance for your pets, property coverage for a wine collection, or concealed carry liability, we have solutions to fit your needs.

Is your vacation home also used as a short-term rental? (i.e. for VRBO, AirBNB, etc.) Does your homeowner’s insurance cover that? Did you move and decide to rent out your former residence? If so, was your existing home policy rewritten? Do you own a few rental properties for passive income? If you aren’t sure about what kind of insurance is needed in each situation, and why, we can help.