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Business
Farm
& Ranch Financial
Planning Bonds
- Homeowners and renters
- Motorcycles and travel trailers
- Umbrella Liability
- Boats, yachts, R.V.'s and wave runners
- Valuable Property
- Other coverages
Regular
Homeowners Program
Protection against such perils as fire, severe weather, and crime for your
dwelling, other structures on premise, and personal property.
Superior
Homeowners Program
This plan is designed for above average homes that have up-to-date maintenance
and show pride of ownership, regardless of the dwelling's age. Your personal
property is insured for up to 70% of the dwelling value on a replacement cost
basis
Renters
While the building owner may be responsible for damage to the building,
replacing your personal property is your concern. If someone is injured in your
apartment, you could be liable.
Condominiums
This residence has its own unique coverage needs,
In addition to your personal property protection, coverage is also available
for:
 | Additions, alterations, fixtures and improvements.
| Loss assessment. |
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Personal
Umbrella Liability
This coverage begins where your auto and homeowner liability limits end. It
provides and additional $1,000,000 layer (umbrella) of liability protection. It
also gives you coverage for legal actions against you not included in your basic
personal policies.
Liability
and Medical
All homeowner policies include liability coverage
for bodily injury and property damage to others. Medical payments to others is
included should a guest be injured on your premises regardless of who's at
fault.
Discounts
| Protective devices (i.e., dead bolt locks, smoke alarms, fire
extinguishers or central station alarms).
| Newer homes.
| Higher deductibles. |
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Mobile
Homes
In addition to dwelling and personal property,
coverage also includes flood protection of this type of owner occupied
residence.
Optional
Coverage
| Guaranteed replacement cost on the dwelling - provides an extra 25% layer
of protection to insure adequate protection for your home, even if
rebuilding costs exceed your policy limits. |
| Personal property replacement cost - insures your personal property for
full replacement value with no deduction for age depreciation. your personal
property limits are automatically increased from 50% to 70% of the dwelling
limits.
| Recreational vehicles - physical damage and liability coverage for
snowmobiles, etc.
| Boats & Jet Skis - physical damage and liability coverage. coverage
can also be provided for their trailers and miscellaneous contents.
| Inland Marine - broader coverage for those special needs (i.e., jewelry,
guns, furs, silverware, collectibles, fine arts, etc.)
| Many other endorsements are available to tailor your policy to fit your
needs. |
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Have a less than perfect record? We specialize in high
risk drivers
Liability
Coverage
Provides you with coverage for bodily injury and
property damage claims of others for which you are legally liable. Legal defense
costs are also a part of this coverage.
Medical
Payments Coverage
Provides coverage for medical expenses for you and your passengers due to a
covered loss. If you have group or private medical coverage, you can save money
by making your auto policy excess.
Physical Damage Coverage
Collision - provides coverage for loss to your car caused by
collision with another vehicle or object, other than an animal.
Comprehensive - provides coverage for loss to your car by means other than
collision including fire, theft, broken glass, and animal collision.
Uninsured
and Underinsured Motorist Coverage
Provides coverage for you if you are involved in
an accident with an uninsured of underinsured driver. Even in a mandatory
insurance state, underinsured coverage is more important than ever.
Optional
Coverage
| Towing and Labor |
| Rental reimbursement
| Loan/Lease coverage
| Sound reproducing equipment (i.e., Tapes and CD's)
| Communications equipment (i.e., Cellular phones)
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Discounts
| Good Student
| Anti-Theft Devices
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Motorcycle
Insurance
The same types of coverage you need for your
automobile are also needed for your motorcycle. Liability, medical payments,
uninsured/underinsured motorist and physical damage (collision and
comprehensive) coverage can all be purchased. You can conveniently add your
motorcycle to your automobile insurance policy, rather that a separate policy,
for better coverage.
Travel Trailer
Insurance
Physical damage coverage for your travel trailer
or camper can also be added to your mutual automobile policy. This also
provides comprehensive and collision coverage for the travel trailer or camper.
Liability protection is provided automatically by the automobile insurance
policy covering the vehicle while the trailer or camper is attached.
Personal
Umbrella Liability
This coverage begins where your auto and homeowner liability limits end. It
provides and additional $1,000,000 layer (umbrella) of liability protection. It
also gives you coverage for legal actions against you not included in your basic
personal policies.
Liability
and Medical
All homeowner policies include liability coverage
for bodily injury and property damage to others. Medical payments to others is
included should a guest be injured on your premises regardless of who's at
fault.
| Recreational vehicles - physical damage and liability coverage for
snowmobiles, etc.
| Boats, Yachts & Wave Runners - physical damage and liability coverage.
coverage can also be provided for their trailers and miscellaneous contents.
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Inland Marine - broader coverage for those special needs
(i.e., jewelry, guns, furs, silverware, collectibles, fine arts, etc.)
Many other endorsements are available to tailor your policy
to fit your needs.
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