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Personal Insurance

Life comes with risks.

Life comes with risks.

Fortunately, several insurance solutions help plan for unforeseen events through auto, home, and other types of coverage.

Clients often ask how much insurance coverage they need—our job is to assess their needs and recommend the right balance.

Through an Insurance Needs Assessment tool, we develop the best insurance strategy for you, with the goal of making sure you are neither under or over-insured.

  • For most clients, cars are the primary mode of transportation, making finding the right car insurance important for any driver. We offer insurance coverage that goes beyond physical coverage for your car. We also provide Property Damage Liability if an accident causes damage to another's property, as well as help protect you against the financial hazards if you are in an accident caused by someone with either no automobile insurance or too little insurance.

    Available coverages include:

    • Bodily Injury Liability
    • Property Damage Liability
    • Uninsured and/or Underinsured Motorist
    • Collision
    • Towing & Labor
    • Rental Reimbursement
  • Your home can be one of your largest assets, making homeowners insurance critical for protecting your home and personal property against any potential liability, and mortgage lenders also require it. We can walk you through every step of the process so you have the coverage you need to help protect your home (and your wallet).

    A homeowners insurance policy is a package of coverages, including:

    • Dwelling: Covers damages to your house and any attached structures, including fixtures such as plumbing, electrical, and HVAC systems.
    • Other Structures: Pays for damage to unattached structures, including a detached garage, tool shed, fence, etc.
    • Personal Property: Covers possessions such as appliances, furniture, electronics, clothes, etc.
    • Loss of Use: Reimburses for additional living expenses if you cannot live in your home.
    • Personal Liability: Pays claims if you are found liable for injuries or damages to another party.
    • Medical Payments: Pays the medical bills incurred by people hurt on your property or by your pets.
  • Renters sometimes don’t realize the need for insurance because the owner already insures the property. While it is true, the destruction or loss of your personal belongings will not be covered without renters’ insurance. It’s a smart choice and typically affordable, and we can find the right renters insurance for you, which should cover:

    • Your possessions against losses arising from fire, smoke, lightning, theft, vandalism, explosion, windstorm, and water damage (excluding floods).
    • Damages and costs if visitors are injured in your rental or elsewhere by you, your pet, or a family member living with you. This includes any legal defense expenses if you are taken to court.
    • Additional living expenses should you be unable to live in your rental due to a covered peril, such as fire, though the policy may set limits on how much you will be reimbursed.
    • Boatowners Insurance
    • Motorcycle Insurance
    • RV Insurance
    • Personal Umbrella Liability Insurance
    • Dwelling Fire Insurance
    • Flood Insurance

Commercial Insurance

Small to mid-size business owners fill many roles in their businesses; fortunately, one role you don't have to fill is insurance specialist.

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Life Insurance

Life Insurance is one of the most important investments you can make to secure the financial future of your loved ones.

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