We provide customized life, auto, business and home insurance to our lifelong clients. In addition, we offer workers compensation, disability, health and long term care. We continuously monitor your insurance needs by analyzing your particular situation in order to present you with the best possible coverage at competitive rates. We are proud to offer insurance services underwritten by Farmers Insurance Group.
LIFE INSURANCE
Life Insurance offers you the peace of mind that comes with knowing your family's needs are covered in the event of your death.
There are three basic types of life insurance:
- Whole Life Insurance is permanent insurance that provides coverage for the "whole life" of the insured.
- Universal Life Insurance is flexible coverage and new they may have a new to cash value accumulation.
- Term Life Insurance is temporary coverage to fit business or personal needs
AUTO INSURANCE
There are many different types of auto insurance coverage's And for you to choose from. We can work with you to decide what coverage combinations provide the best protection at a price that fits your budget.
- Fault or No-Fault - Depends on state law
- Collision - Pays damages to your own vehicle.
- Comprehensive - Pays for losses from fire, theft, storm, etc.
- Deductible - The amount of a covered loss you agree to pay.
- Bodily Injury - Pays for injury to others when you are at fault.
- Property Damage - Pays for property damage when you are at fault.
- Medical Payments- Pays for your own or your passenger's medical expenses.
- Personal Injury Protection - In no-fault states, this covers a broad assortment of medical expenses.
- Uninsured/Underinsured Motorist - Coverage for you if other driver is not insured or is underinsured.
In addition to basic auto insurance, consider these optional services to provide added protection for your vehicle:
- Emergency roadside assistance and towing service
- Auto glass replacement
- Mechanical breakdown insurance
- Car rental reimbursement
HOME INSURANCE
Whether you own a house or condo, or you rent, we have an insurance program to protect you, your home, and your belongings.
- For Your Home (home, condo, townhouse, Rent)
- For Your Personal Belongings
- For You and Your Guests
- For Your Coverage's (earthquake, flood, personal liability, valuables, addition expenses)
BUSINESS INSURANCE
Do you have adequate insurance to cover your business from loss due to crime, fire, flood, equipment failure, injury or the death of a key employee? As a business owner, you need to choose the coverage that matches your needs.
Consider our Business Insurance coverage for the following:
- Buildings - including improvements you have made.
- Business continuation - death of an owner, partner or key stockholder
- Contents - personal property, stock and equipment.
- Crime - loss of money and securities through theft, burglary and robbery; employee dishonesty; forgery and alterations
- Equipment Breakdown - air conditioning, refrigeration, electrical and mechanical equipment.
- Computers - hardware, software, media and reproduction costs.
- Business Liability - premises, operations, products and completed operations.
- Personal Injury - libel, slander, defamation of character, wrongful eviction and invasion of privacy.
- Accounts Receivable - including a debt owed to an enterprise, arising out of the normal course of business dealings.
- Workers Compensation -life and health insurance coverage for employees while they are on the job.
- Loss of earnings or rents
- Valuable papers
- Glass
- Signs
- Medical payments
- Business auto
- Umbrella Liability
- Employee-sponsored pensions
HEALTH INSURANCE
If you have ever been sick or injured, you know how important it is to have
health coverage. But if you’re confused about what kind is best for you, you’re
not alone.
The term health insurance refers to a wide variety of insurance policies.
These range from policies that cover the costs of doctors and hospitals to those
that meet a specific need, such as paying for long-term care. Even disability
insurance—which replaces lost income if you can’t work because of illness or
accident—is considered health insurance, even though it’s not specifically for
medical expenses.
Choose and decide from plans that provide the following coverage
- Inpatient hospital services
- Outpatient surgery
- Physician visits (in the hospital)
- Office visits
- Skilled nursing care
- Medical tests and X-rays
- Prescription drugs
- Mental health care
- Drug and alcohol abuse treatment
- Home health care visits
- Rehabilitation facility care
- Physical therapy
- Speech therapy
- Hospice care
- Maternity care
- Chiropractic treatment
- Preventive care and checkups
- Well-baby care
- Dental care
- Other covered services
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