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Personal Insurance

We build personal insurance programs around home, auto, and umbrella coverage that actually reflect what you have to protect, not a one-size-fits-all policy.

For The Things That Matter Most

Life happens fast, and there’s nothing as valuable as peace of mind. We can help protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Some agents only represent one insurance company. As an independent agency, we have the freedom to search any of the carriers we represent to help you find  coverage and service for the most competitive price.

Homeowners Insurance

Your home is your biggest investment - that’s why we provide a wide array of coverages to help protect your property as well as your liability.

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Personal Auto Insurance

Provide financial protection for you, your family, passengers, and your vehicle.



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Personal Umbrella

When your home or auto insurance coverage isn’t enough, umbrella insurance provides an extra layer of liability protection.


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Renters Insurance

Renters insurance is not only reliable, but also affordable and costs less than you think


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Motorcycle, RV & Watercraft Insurance

No matter what you ride, we can help with your insurance needs

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Life Insurance

With a life insurance policy, you’re prepared for the worst but can plan for the best


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Looking to Travel or Live Abroad?

When you’re outside the U.S., your domestic health plan may not provide coverage. International medical insurance helps you access care, manage unexpected medical needs, and stay protected wherever you go.

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FAQ

Personal insurance typically includes homeowners or renters coverage, auto insurance, and umbrella liability that extends protection beyond your other policies. Depending on your needs, it can also include coverage for boats, recreational vehicles, and valuable items like jewelry or collectibles.

Anyone who owns a home, drives a vehicle, or wants to protect their personal assets from liability can benefit from a personal insurance program. It is especially valuable for business owners and individuals with significant assets who want their personal coverage handled with the same care as their commercial policies.

Home and auto policies have coverage limits, and a serious accident or lawsuit can exceed those limits quickly. Umbrella coverage adds an extra layer of liability protection on top of your existing policies, helping protect your savings, home, and future income if a claim goes beyond your standard limits.

Premiums are based on factors like the value of your home and vehicles, your location, your claims history, and the coverage limits you choose. We work with you to build a program that matches your actual risk and assets, rather than applying a generic rate.

Yes, bundling home and auto coverage is common and can often lead to savings. More importantly, having both policies coordinated through one agency helps make sure there are no gaps or overlaps in your coverage.

Actual cash value pays out based on your property’s depreciated worth at the time of loss, while replacement cost coverage pays what it actually costs to repair or replace the item today. Replacement cost coverage generally offers stronger protection, particularly for homes and major belongings.

It is a good idea to review your coverage at least once a year, or any time you experience a major life change such as buying a home, purchasing a vehicle, or acquiring valuable property. Regular reviews help make sure your coverage keeps pace with your actual assets and risk.

Standard homeowners policies often have limits on categories like jewelry, art, and collectibles that may not fully cover their value. A scheduled personal property endorsement or a separate policy can provide dedicated coverage for these items at their appraised worth.