Personal Insurance Products

One policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.

• Get a Personal Auto Quote Request
• Get a Homeowner Quote Request
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Package page

One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence

• Get a quote for Homeowner, Condo Owner, Renters Insurance
• Get Limit Guidelines from the Wizard
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Homeowner, Condo Owner, Renters Insurance page

You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.

• Get a quote for Personal Auto Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Auto Insurance page

Special autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.

• Get a quote for Antique, Classic and Customized Automobile Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Antique, Classic and Customized Automobile Insurance page

One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.

• Get a quote for Boat Insurance
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Boat Insurance page

Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches.

• Get a quote for Dwelling Fire Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Dwelling Fire Insurance page

Farm and ranch insurance can be tailored to protect the part-time gentleman farmer to the full scale agribusiness. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. To get a proposal suited to your individual needs, complete our Farm Quote Request form or use the contact link below. And of course, you can always call or stop by to learn more.

• Get a quote for Farm and Ranch Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Farm and Ranch Insurance page

Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.

• Get a quote for Flood Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Flood Insurance page

More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.

• Get a quote for Home Business
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Home Business page

Abduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.

• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Identity Theft page

Landlord's face special risks that require special insurance protection. A few examples of losses or exposures that are covered in a Landlord Package Policy include: Loss of rent resulting from an insured loss; Buildings with one or several units; Varied residential or commercial occupancies; Legal liability resulting from the activities of tenants; and Uninsured or under-insured repairmen. Even though Landlord Package Insurance is primarily designed to protect you from loss to rental property it can, and should provide adequate insurance limits to protect your other assets from legal liability arising from rental activities. Even though renting residences to others is a business activity, many insurance companies will treat the renal of 4 or fewer units as a personal insurance matter.

• Get a quote for Landlord Package Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Landlord Package Insurance page

Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.

• Get a quote for Personal Umbrella
• Get Limit Guidelines from the Wizard
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Personal Umbrella page

Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.

• Get a quote for Recreational Vehicle Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Recreational Vehicle Insurance page

Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.

• Get a quote for Scheduled Personal Property
• Let the Wizard Estimate the Cost to Replace Your Possessions
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Scheduled Personal Property page

Wedding costs today quickly climb into the tens of thousands of dollars. Unforeseen events resulting in the postponement or cancellation of a wedding, and last minute replacement of service providers can leave you with $10,000 or $20,000 in expenses and no wedding memories to show for it. Wedding Insurance gives you the peace of mind of knowing that, if wedding plans go awry, your wedding investment can stay protected.

• Get a quote for Wedding Insurance
• FAQs
• Glossary
• Articles and Checklists in Risk Alerts
• Request More Information
• Link to our Wedding Insurance page