Our Insurance Agency in Action

Insurance protects you financially when unexpected things happen. Without it, you’d have to pay out-of-pocket.
👉 Example: If your car is totaled in an accident, auto insurance helps pay for repairs or a replacement instead of you covering the full cost.  

 We offer life, health, auto, home, farm, and business insurance. In addition, specialized coverage like bonds and umbrella policies.
👉 Example: A homeowner’s policy protects your house from fire or storm damage, while an umbrella policy adds extra protection if a lawsuit costs more than your standard coverage.  

It depends on your lifestyle, assets, and goals. The right amount should protect your family and your investments.
👉 Example: A young family may need more life insurance to cover a mortgage and future college costs, while a retiree may only need enough to cover final expenses.  

• Liability: Pays for damage you cause to others. 
• Full coverage: Includes liability plus coverage for your own car.
  👉 Example: If you rear-end someone, liability pays for their car. If you have full coverage, it also pays for repairs to your car also. 

Yes, to protect your content. Your landlord’s insurance only covers the building, not your belongings.
👉 Example: If a fire damages your apartment, your landlord’s policy won’t replace your clothes, furniture, or electronics but renters’ insurance will.  

 You pay a monthly premium, and in return, your family receives a tax-free benefit if something happens to you.
👉 Example: A $250,000 policy can help your family cover the mortgage, pay bills, or send kids to college.  

A deductible is the amount you pay before insurance kicks in.
👉 Example: If your deductible is $500 and a storm causes $2,000 in roof damage, you pay $500 and your insurance pays $1,500.  

•  Term life: Covers you for a set period (10, 20, 30 years). Usually lower cost. 
• Whole life: Lasts your entire life and builds cash value.
  👉 Example: Term life may be great for young parents until kids are grown, while whole life can act as long-term protection and savings.   

 If you run any type of business, you should protect it. Business insurance can cover property, liability, and employees.
👉 Example: A small shop owner with a BOP (Business Owners Policy) is covered if a customer slips on a wet floor and falls in their store. 

 Bundle policies, maintain a good driving record, raise deductibles, and ask about discounts.
👉 Example: Having your auto and home insured together often gives you a multi-policy discount.