Protect What Matters Most

 Personal Auto Insurance

Personal auto insurance is essential for protecting you, your passengers, and your vehicle from the financial impact of accidents, theft, or other unexpected events on the road. In nearly every state, auto insurance is required by law to legally operate a motor vehicle.

Basic Required Coverage

Most states require drivers to carry liability insurance, which typically includes:

• Bodily Injury Liability – Covers medical expenses for others if you're responsible for an accident.
• Property Damage Liability – Pays for damage you cause to another person’s vehicle or property.
   

The required minimum limits vary by state, so it’s important to make sure your policy meets or exceeds your local legal requirements.

Optional Coverage for Broader Protection

1. Collision Coverage
Pays for repairs or replacement of your vehicle after a collision, regardless of who was at fault.

2. Comprehensive Coverage
Covers non-collision incidents such as theft, vandalism, fire, or weather-related damage.

3. Uninsured/Underinsured Motorist Coverage
Protects you if you're in an accident caused by a driver with little or no insurance.

4. Medical Payments or Personal Injury Protection (PIP)
Covers medical expenses (and sometimes lost wages) for you and your passengers, regardless of fault.

5. Additional Options
You can also add coverage for rental reimbursement, roadside assistance, gap insurance, and more—depending on your needs.

Why Auto Insurance Matters

Auto insurance not only keeps you compliant with the law—it provides peace of mind. The right policy helps ensure you’re financially protected in the event of an accident, whether you're on a short daily commute or a long road trip.

What Is Homeowners Insurance?

Homeowners insurance is a policy that protects your home, personal belongings, and financial well-being in case of unexpected damage or loss. It typically covers:

The structure of your home (in case of fire, storm damage, etc.)

Personal belongings inside the home (furniture, electronics, clothing, etc.)

Liability protection if someone is injured on your property

Additional living expenses if you have to live elsewhere during repairs
 

Why Is Homeowners Insurance So Important?

Protects Your Biggest Investment
For most people, their home is their largest asset. Homeowners insurance ensures you won’t have to pay out-of-pocket to rebuild or repair after a disaster.
 

Covers Personal Belongings
Fires, theft, or severe weather can destroy your possessions. Insurance helps you recover the value of lost or damaged items.
 

Provides Liability Coverage
If someone is injured on your property or you accidentally cause damage to someone else's property, insurance can protect you from costly legal claims.
 

Required by Mortgage Lenders
Most lenders require you to have homeowners insurance to secure a mortgage — it protects their investment too.
 

Peace of Mind
Life is unpredictable. Homeowners insurance gives you confidence knowing you’re prepared for the unexpected.
 

Need Help Choosing the Right Coverage?

Every home and situation is different. As an independent insurance agency, we work for you — not the insurance companies — to help you find a policy that fits your needs and budget. Reach out today for a free consultation or quote!