With 17 years experience we take pride in our customer service and knowledge of the insurance industry and proudly offer that service to you.
With 18 years experience, we take pride in our customer service and knowledge of the insurance industry and proudly offer that service to you. Our goal is to know our clients individually to create an insurance package that meets their personal needs with a competitive premium. Being an Independent Agency and a member of the Premier Insurance Network, we offer many lines of insurance provided by multiple carriers.
HOMEOWNERS PROTECTION - A simple or comprehensive package that protects your home against a loss due to a fire, a natural disaster, theft and/or vandalism. The following coverages are included in most of our homeowner packages or may be added to a basic policy.
• DWELLING & OTHER STRUCTURES
• PERSONAL PROPERTY COVERAGE
• LOSS OF USE
• LIABILITY COVERAGE
• MEDICAL
CONDOMINIUM OWNERS
Covers the interior of your unit as well as your personal belongings along with loss of use and personal liability coverage. A master policy provided by the Condo Association covers the main building.
VACATION HOMES
Available to include all areas of the country, including New Jersey, the Carolinas, Florida etc.
OTHER DWELLING COVERAGES
LANDLORD
Provides property coverage for a dwelling owned by you but used by a tenant. It also includes liability coverage.
TENANTS OR RENTERS
Protects those who rent, whether a house, condo or an apartment. Coverage is provided for personal property from theft, vandalism, water and fire.
MOBILEHOME or TRAVEL TRAILERS
Includes optional replacement cost coverage, agreed loss provisions, additional debris removal and more.
BUILDERS RISK COVERAGE
For buildings under construction and temporary structures used on job sites.
ADDITIONAL COVERAGES
PERSONAL UMBRELLA PROTECTION
Extends your property coverage limit so you’ll never lose your assets that you have worked so hard to achieve.
FLOOD COVERAGE
Covers damage caused by flood waters along with mud flow. You do not need to live by water to be at risk. About 25% of all flooding occurs in low to moderate risk areas.
AUTOMOBILE COVERAGE - Comprehensive protection for you and your car in the event of any accident or claim. We insure all types of vehicles; personal autos, trucks and vans and collector or antique cars for stated or appraised values.
YOU AND YOUR HOUSEHOLD
BODILY INJURY
Covers medical costs for injuries you cause to others as a result of an auto accident.
PROPERTY DAMAGE
Pays for damages to other vehicles, other property.
MEDICAL (FIRST PARTY BENEFITS)
Pays medical cost for you and your family members injured in any motor vehicle accident.
UNDERINSURED/UNINSURED
Compensates you for expenses you’re entitled to recover if you’re injured by a driver who has either inadequate coverage or none at all. This includes hit and run drivers.
YOUR CAR
COLLISION
Pays for repair from damage to your vehicle caused by impact with another vehicle, tree, fence or other stationary objects regardless who is at fault.
COMPREHENSIVE
Pays for repair from damage to your vehicle caused by Vandalism, Theft, Glass Breakage or if your vehicle sustains damage as a result of colliding with an animal. It may also cover for damages from falling objects, floods and riots.
RENTAL
Pays for a rental car or other transportation costs if your vehicle is being repaired due to a claim or if stolen.
TOWING
Reimburses you for the costs that are incurred if your car is disabled and towing is required.
PERSONAL UMBRELLA
Allows you to extend your auto limits so you will never lose your assets that you have worked so hard to achieve.
ANTIQUE, COLLECTOR AND SHOW CARS
Insurance for a stated amount or appraised value.
RECREATIONAL VEHICLES
Policies that extend coverage for physical loss, medical and liability. Includes Boats, Motorcycles, ATV’s, Golf Carts, Mopeds And Snowmobiles.
COMMERCIAL COVERAGE
BUSINESS OWNER PROGRAM (BOP)
It provides a combination of coverages needed by a small business with a premium that is less than if the coverages were priced separately.
COMMERCIAL GENERAL LIABILITY
Separate limits of coverage for general liability, fire, legal liability, products and completed operations, advertising and personal liability.
BUSINESS AUTO
Protection with all the same coverages that a personal auto policy provides. It includes optional coverages for tools, rented or hired autos, fellow employees, and if an employee is negligent while using his or her own auto during the course of business.
WORKERS COMPENSATION
For employees only, not owners of a company. Employers pay for this insurance to ensure that in the event of an injury, while on the job, their employees will be able to obtain medical help and to recover without the stress of losing their income.
COMMERCIAL UMBRELLA (Excess Liability)
Liability insurance which provides additional protection when your business assets are more than the underlying limits on the primary policy.
PROFESSIONAL LIABILITY (E&O Insurance)
Insurance that can be very important and necessary for professional people who perform a service and/or act as a consultant. These can include but are not limited to Architects, Surveyors, Realtors, Appraisers, Title Agents, Insurance Agents, Travel Agents, as well as Lawyers, Accountants, or Physicians. It protects them against potential negligence claims made by their customers, clients and patients.
LIQUOR LIABILITY
Protects a business against loss or damages claimed as a result of a patron of your business becoming intoxicated and injuring themselves or others.
SPECIAL EVENTS
A very inexpensive type of insurance that can provide coverage for many different occasions and events against unexpected occurrences that can cause monetary damages. These events can include Weddings, Parties, Parades, Community Fairs, etc. You never know what could happen.
LIFE INSURANCE
An important way to protect your family and assets from unfortunate occurrences. Individuals, couples, parents, business partners, children in college, they all have a special need for life insurance. There are 2 basic forms of policies; temporary and permanent. Each can fulfill a need depending on the circumstances.
TEMPORARY POLICIES (TERM)
This type of policy will cover the insured for a specific time period, have a specific benefit amount and is typically less expensive than permanent insurance (whole life). The benefit is payable only upon the death of the insured. This is a great way to provide protection when premium cost is a factor. The premiums can be set on a yearly basis which will increase slightly every year or can be set with a level premium starting with a 10 level term. Level term is also available with 15, 20, 25, 30 and 40 year level premiums.
PERMANENT POLICIES (WHOLE LIFE)
This type of policy will cover the insured for the life of the insured; the benefit is assured at the end of the policy (as long as the premiums are paid). The policy does accrue cash value. The policy holder does have options with the distribution of the cash value.
