Insure

HOME/FLOOD

• Homeowners: Coverage on an owner-occupied dwelling structure, personal belongings inside the home, other structures (garages), personal liability, and medical expenses. Add on coverages are also available for things like valuables, jewelry, sewer/sump pump back up, identity theft and much more.
• Rental properties
• Tenant: Also known as renters’ insurance. There is no coverage for the home structure. It provides coverage on personal belongings only inside the home, personal liability, and medical expenses. Add on coverages are also available for things like valuables, jewelry, sewer/sump pump back up, identity theft and much more.
• Mobile/manufactured homes:  Much like a homeowner policy, this offers coverage on the mobile home, personal belongings inside the home, other structures (garages), personal liability, and medical expenses. Add on coverages are also available for things like valuables, jewelry, sewer back up, identity theft and much more.
• Condo Insurance: Much like a homeowner policy, this offers coverage on the condominium unit components owned by a person, personal belongings inside the condo unit, other structures (garages), personal liability, and medical expenses. Add on coverages are also available for things like valuables, jewelry, sewer back up, identity theft and much more.

RECREATIONAL VEHICLE

• Boat Insurance: Provides coverage against losses due to bodily injury and property damage to others, uninsured and underinsured motorists coverage, medical expense, and physical damage to owned boats. Additional coverages are available at the customer’s request.
• ATV/UTV Insurance: Provides coverage against losses due to bodily injury, property damage to others, uninsured and underinsured motorists, medical expense, and physical damage to owned ATV; s. Additional coverages are available at the customer’s request.
• Motorcycle/moped Insurance: Provides coverage against losses due to bodily injury, property damage to others, uninsured and underinsured motorists, medical expense, and physical damage to owned cycles. Additional coverages are available at the customer’s request.
• Golf Cart Insurance: Provides coverage against losses due to bodily injury, property damage to others, uninsured and underinsured motorists, medical expense, and physical damage to owned golf carts. Additional coverages are available at the customer’s request.
• Camper/RV Insurance: Provides coverage against losses due to bodily injury, property damage to others, uninsured and underinsured motorists, medical expense, and physical damage to owned campers/RVs. Additional coverages are available at the customer’s request.

HEALTH

• Major medical:
• Medicare supplement: Provides coverage for doctor and hospital services for Medicare recipients.  This coverage is available to persons 65 years or older and disabled persons under the age of 65 who have enrolled in Medicare.
• Medicare Part D: Provides prescription drug coverage for Medicare recipients.  This coverage is available only during open enrollment each year unless a qualifying event occurs.
• Dental: Provides coverage for dental services in order to examine, repair, and extract teeth. This coverage can be purchased year-round.

AUTO

• Personal Auto Insurance: This provides coverage against automobile related losses due to bodily injury, property damage to others, uninsured and underinsured motorists, medical expenses, and physical damage to owned vehicles.
• Collector Car Insurance: Provides the same coverage as regular automobile insurance but is designed for classic and collector cars that are worth a higher dollar value in relation to the age of the vehicle.

LIFE

• Individual and joint life: Provides coverage for doctor and hospital services for persons under age 65. Coverage is offered on the Health Insurance Marketplace only during open enrollment each year unless a qualifying event occurs.
• Whole, term, universal life Insurance: Provides permanent death benefit coverage for the life of the insured as long as premiums are paid. While term life insurance provides death benefit coverage for a period of five to 30 years.

DISABILITY

• Disability Insurance: Provides coverage for loss of income due to partial or total disability caused by illness or injury.

FARM AND CROP

• Crop Insurance: Provides coverage against financial loss due to farm crop losses caused by weather or market conditions.

• Farm Insurance: Provides coverage against property and liability losses for farming operations. Covered property can include dwelling, contents coverage, farm equipment, farm buildings and livestock

UMBRELLA LIABILITY

Umbrella Liability Insurance: Provides an additional layer of protection above and beyond the underlying home, dwelling, automobile, or watercraft liability coverage once the underlying liability limits are used up.