Using an agent provides value in multiple ways – you get more personalized service, for example. You can stop by our office to get a cup of coffee and chat. We get to know our clients, and we already know our local community, both of which can be vital when helping you purchase a product and helpful when you need to file a claim. As local agents, we are able to deliver quality insurance with competitive pricing and local customized service.

A personal umbrella policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies (Auto, Home, Boat, RV, etc.) so that you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide coverage that is otherwise excluded from your other policies. For example, an umbrella policy provides coverage anywhere in the world, whereas your auto policy usually provides coverage in the US and Canada only. It used to be that the only people needing personal umbrella liability policies were wealthy individuals with a lot to lose, but not anymore. We live in a very litigious society and therefore we are all at risk – just do an online search for “frivolous lawsuits” for many examples.

We believe so. For example, for an 18-year old just starting out a life insurance policy is available for around $10/month. We also have a few options for folks aged 65+ with major health concerns. And anywhere in between! We have personally seen friends go through extreme difficulty when a spouse dies and they are left with no financial safety net. We want to help you find coverage in case something like this were to ever happen to your family.