Auto, Home, Business Insurance

Insurance for the things that are important in your life.

The BEST BUY in insurance is...

                         the Right KIND... 

                                  in the Right AMOUNT...

                                                        at the Right TIME.

The basic purpose of insurance is to cover catastrophic losses which would financially impair your future.

There are three basic Risk Management steps for determining your insurance needs:

  1. Eliminate or Reduce your risk exposure- Use of proper management of maintenance, repair, Training and safety programs.
  2. Assuming the risk yourself- Paying for small losses yourself and buying high deductibles
  3. Transferring the risk- Buying the proper isurances tailored to meet your specific needs.

There are several ways to prioritize insurance needs based on the possible impact on your financial security:

Mandatory- Those coverages that are mandated by law or contract. 

Essential- Protection against those losses, probable or otherwise, which are potentially so large as to be financially disastrous.

Desireable- Coverage for losses which are not large enough to lead to bankrupcy. They may seriously deplete accumulated assets and savings reserves, or saddle you with a burdensome debt.

Supplemental Coverage against small losses, usually uneconomical.

Click Here to request a quotation for (Auto, Home, Business Packages, Umbrella Liability, Valuable Items)

Financial Security is far to important to leave to chance.

A better buy for those who qualify!

AM I protected from FLOOD? Probably not!

Flooding occurs in EVERY state! Many people find out too late that they are at risk for flooding, and even worse that their property insurance doesn't cover flood damage.

  • Your Homeowners policy DOES NOT cover flood loss to your home and contents.
  • In certain areas, the chance of a flood loss is 25% greater than a loss due to a fire during a 30 year mortgage.
  • Six out of ten declared disasters involve flooding!
  • Homes in areas where there is new construction or where there have been other events, such as forest fires, may be in greater danger than in the past because of changes to the land around them.
  • 25% of all floods occur outside of a high-risk flood area.
  • Federally backed mortgages in certain areas require flood insurance policies for the life of the mortgage.

   CLICK HERE to inquire about flood insurance in your area.