Personal Insurance is the cornerstone for an independent insurance agency. We offer a competitive full line of personal insurance from industry leading carriers including Auto, Home: Single Family Home, Town Home, Condo, Manufactured & Apartment; Life, Umbrella, Recreational: RV, Camper, 5th Wheel, Trailer, Motorcycle, Golf Cart, Scooter, Jet Ski, ATV; and Pet. A partial list of our carriers is listed below. Bundle your Home, Auto and Umbrella for the best savings.
You work hard to build a solid financial life and provide for your loved ones. That means want to be sure that your family, home, property, and health are taken care of in case something happens.
Accidents and disasters can and do happen. If you aren’t well insured, you could face huge financial struggles and setbacks. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
As you look for the gaps in your insurance coverage, think about which plans you may want or need to include. Learn more about the types of insurance to have in both your short and long-term plan.
Personal Insurance can insure almost any part of your life. But not every type of coverage is right for every person. In most cases, you will want to cover your life, your health, and your property. This means you should have:
Health insurance to cover medical costs for you, as well as your spouse or children if you have them
Life insurance to provide for your family or cover your debts after your death
Homeowner’s or renter’s insurance to cover your home and valuable property
Auto insurance to protect your car
When picking a plan, think about how much it needs to cover. You also need to know what premium you can afford per month.
Choosing a deductible is another factor in picking a plan. A larger one means your monthly premiums will be lower. But it also means it will take longer for your insurance to kick in and start taking care of costs.
Probably NOT NEEDED
You want to ensure that you and your family are covered. But for most people, there are many types of Personal Insurance you don’t need.
Purchasing the wrong insurance or spending too much on a plan can do more harm than good.
Types of insurance you may not need:
- Mortgage or Credit Life
- Cancer or a specific disease
- Travel or flight
In the case of travel and flight insurance, for instance, these may be included as part of your credit card’s travel perks. If you aren’t at high risk for cancer or another disease, you likely don’t need that type of coverage.
Before buying plans like these, think about what you need, what you have through other places like a credit card or job, and whether they are worth the cost.