HOME INSURANCE
Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Coverage availability and prices may vary by company. We can help you determine which of several companies we represent will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.

Depending on the company you choose, you can get discounts for:
Having a burglar alarm
Having a newer home
Being claim free in the past
Insuring your vehicles with the same company.

Other advantages you could enjoy include:
Repair Guarantees
24-Hour Claims Hotline
Flexible billing - including coordinating with your mortage company
Living expense if your home becomes uninhabitable due to a claim

LIFE INSURANCE
Life insurance is a crucial step in planning for your and your family's future. It can fulfill promises and obligations to your family if you are no longer living.

The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance policies during your lifetime.

The cash-value growth of a permanent policy is tax deferred. You do not pay taxes on the cash value increases while inside the policy.
The cash value earned and borrowed from a permanent life insurance policy can be used to help with emergency expenses, college costs or retirement income. Policy loans reduce cash values and death benefits and may be subject to other charges outlined in the policy.
Your need for life insurance is dependent on your personal and financial needs and goals. As your life changes, your life insurance coverage may need to be updated to adapt to your new needs. We offer a wide variety of coverages to provide what is right for you, now and in the future

Term Life Insurance provides protection for a specified period of time. Initially the cost is low for this type of coverage, but premiums will increase as you age. These policies, however, may be easily convertible to permanent coverage.
Permanent Life Insurance consists of a variety of coverages from fully-guaranteed premiums, values and death benefits to complete flexibility of premiums, interest rates, and death benefits options

BUSINESS PLANNING
Whether your business is large or small, we have the products to meet your needs. Every business and industry is unique; we identify ways to properly insure the unique hazards of your business. As business owners ourselves, we understand the special protection businesses need to prosper.

We offer:
Loss Control Programs
With our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers' compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

Quick Claim Response
When you do have a claim, you need fast, fair service. As independent agents we work to make that happen. That's why we only represent companies with excellent records for settling claims fairly and promptly.

Competitive Rates
Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing. To see if your business qualifies for one of these special programs, contact us for more information.