Automobile insurance

Auto Insurance is a contract between you and the Insurance Carrier that protects you against financial loss in the event of an accident or loss. There are various ways to customize your Auto Policy by making coverage selections to cover a number of different types of losses. We make it easy for you and your budget. Here are six basic kinds of coverage:

Bodily Injury Liability: Pays damages for injury or death resulting from a covered accident for which you are at fault.

Medical Payments: Pays to reimburse a driver or passenger for medical or funeral expenses incurred in a covered accident, up to the limits of your policy. It also covers the medical costs of pedestrians you may have injured.

Property Damage Liability: Pays to repair damage you cause to another person’s vehicle or property.

Collision: Pays to repair or replace your auto if it’s damaged in an accident with another vehicle or other object, such as a fence or a building.

Comprehensive: Pays to replace or repair your auto if it’s stolen or damaged in an incident that’s not a collision. Sometimes called “other than collision” coverage, typically covers damage from fire, vandalism or falling objects like trees or hail.

Uninsured and Underinsured Motorist Coverage: Uninsured Motorist coverage protects you and your property after an accident when the at-fault driver does not have Insurance. Underinsured Motorist protects you and your property when the at-fault driver has Insurance, but not enough Insurance to cover all the damage.

When it comes to your Motorcycle and your Passengers, you need the Best Motorcycle Insurance to stay protected on the road. Motorcycle Insurance can cover collision damage costs, medical payments, theft, custom equipment, roadside assistance, and more. Here are some important coverages:

Bodily Injury Liability: If you cause an accident and someone is injured, this Motorcycle Insurance Coverage can help pay their medical bills and loss of income.

Medical Payments: Pays medical costs related to an accident, regardless of who’s at fault.

Property Damage Liability: Pays for damages to another person’s vehicle or property if you cause an accident.

Collision: Pays to repair or replace your Motorcycle if it’s damaged in an accident with another vehicle or other object, such as a fence or a building. Collision coverage may be required if your motorcycle is financed or leased.

Comprehensive: Also known as “other than collision,” this Motorcycle Coverage can help pay for damage to your motorcycle from vandalism, theft, weather events, and falling objects.

We can protect your Motorhome, Travel Trailer, Truck Camper, Toy Hauler, and your Horse Trailer. We can customize your Insurance Policy by selecting the right Coverage for your needs. We have a variety of discounts available, which gets you the best rates for your RV budget. Whether you use your RV for an occasional vacation or as a permanent residence, we got you covered. Here are some important coverages:

Medical Payments: Pays medical costs related to an accident, regardless of who’s at fault.

Property Damage Liability: Pays for damages to another person’s vehicle or property, if you cause an accident.

Collision: Pays to repair or replace your RV if it’s damaged in an accident with another vehicle or other object, such as a fence or a building. Collision coverage may be required if your RV is financed or leased.

Comprehensive: Also known as “other than collision,” this RV coverage can help pay for damage to your RV from vandalism, theft, weather events and falling objects.

Protect your boat, jet ski, wave runner, and yachts in and out of the water, as well as yourself and others. We customize your Boat Insurance Policy with coverages like your fishing equipment, on-water towing, personal effects on board, or while being carried on or off an insured boat, and offer discounts to save you money. Here are some important coverages:

Bodily Injury Liability: If you cause an accident with your boat and someone is injured, this coverage can help pay their medical bills and loss of income.

Medical Payments Coverage: Med pay can help cover medical bills if you or others are injured while operating or occupying your boat.

Property Damage Liability: This coverage helps pay for damages to another person’s vehicle or property if you cause an accident with your boat. Pollution liability coverage and wreckage removal are included.

Collision: Pays for damage to your boat, motor, trolling motor, trailer, including permanent and portable boating equipment if you’re in a covered accident with another boat or object.

Comprehensive: This coverage can help pay for damage to your boat, motor, trolling motor, trailer, including permanent and portable boating equipment from losses other than collision. This includes damage from fire, theft, or storms.

Even the world’s best ATV riders know accidents happen. Protecting you and your ATV by having the right Insurance Coverage, riders can relax and enjoy the pleasures of off-road adventures. An ATV Insurance Policy typically consists of Liability, Collision, and Comprehensive , with other optional coverages available for your unique needs. Here are some important coverages:

Bodily injury liability: If you cause an accident and someone is injured, this coverage can help pay their medical bills and loss of income.

Property damage liability: Assists in payments for damages to another person’s vehicle or property if you cause an accident.

Collision: Collision pays for damage to your ATV if you hit another vehicle or object, if another vehicle hits you, or if your vehicle rolls over. Collision coverage may be required if you lease or finance your ATV.

Comprehensive: This coverage can help pay for damage to your ATV from vandalism, theft, weather events, and accidents. It also protects custom ATV parts and equipment.

Our love of the classic and antique autos is here to stay. The classic & antique car owner is one who appreciates the timeless machine that brings you back to another time or era. The investment of money and time is well worth the end product. So we know that not all classic & antique cars are used the same, nor should they be covered the same. We work with you to provide the unique coverage that fits your needs. Here are some important coverages:

Bodily Injury Liability: Pays damages for injury or death resulting from a covered accident for which you are at fault.

Medical Payments: Pays to reimburse a driver or passenger for medical or funeral expenses incurred in a covered accident, up to the limits of your policy. It also covers the medical costs of pedestrians you may have injured.

Property Damage Liability: Pays to repair damage you cause to another person’s vehicle or property.

Agreed Value: Insurance Coverage that guarantees you will receive the full insured amount of the vehicle (with no depreciation and including all sales taxes), in the event of a covered total loss.

Stated Value: Insurance Coverage, that is sometimes called “stated amount”, where an Insurance Carrier may not pay the full vehicle value that’s “stated” on the policy when there is a covered total loss. You could receive less than the “stated amount” because the Insurance Carrier may pay your vehicle’s depreciated actual cash value or the cost to replace your vehicle. There may be requirements for appraisals to affirm the Insured Amount.

You’ll need a Golf Cart Insurance Policy to provide coverage for injuries to others or damage to their property. If you desire to have your golf cart covered in case it is damaged, we can provide this for you too. Whether driving in your local neighborhood or off to the golf course, we can get you covered. Here are some coverages to consider:

Bodily Injury Liability: Pays damages for injury or death resulting from a covered accident for which you are at fault.

Property Damage Liability: Pays to repair damage you cause to another person’s vehicle or property.

Comprehensive: Also known as “other than collision,” this coverage for your Golf Cart can help pay for damage from vandalism, theft, weather events, and falling objects.

Guest passenger liability: If passengers are injured while riding in your golf cart, guest passenger liability will pay for their injuries up to the limits of your policy.

Umbrella Insurance is a type of Personal Liability Insurance that covers claims in excess of regular Personal Insurance. This extra liability Insurance Coverage goes beyond the limits of the Insured’s Homeowners, Auto, Motorcycle, Motorhome & RV, Boats & Watercraft, Off Road Vehicles, and Classic & Antique Car Insurance. It’s important to have sufficient coverage to protect your current assets and future earnings if you’re involved in a serious accident or lawsuit. Otherwise, you could be liable for more than your current Personal Insurance coverage limits.