Home/Auto Insurance

Home Insurance

Every home is unique — your insurance should be too.
Your home is more than just where you live — it’s where your life happens. It’s also likely one of your biggest investments. That’s why having the right home insurance is so important. From major disasters to small day-to-day risks, we’ll help you find coverage that protects what matters most to you. Because it’s not just a house — it’s your home.

What risks does your home face?
Think about the impact of a fire, a burst pipe, or a break-in. Without proper coverage, an unexpected event could leave you facing major financial and emotional stress. Beyond catastrophic events, even smaller issues like water damage or property loss can add up quickly. A solid homeowners insurance policy gives you peace of mind by helping cover repairs, replacements, and even temporary housing if needed. It can also help protect your ability to pay off your mortgage should disaster strike.

Tailored coverage — because no two homes are alike.
There’s no “one-size-fits-all” when it comes to home insurance. We’ll help you customize a plan that fits your property, lifestyle, and risk level. Depending on your needs, your policy can include coverage for:

Fire & Property Damage
Water Damage & Back-Up
Personal Property & Contents
Personal Liability
Medical Expenses for Guests
Loss of Use / Additional Living Expenses
Theft (including Off-Premises Theft)
Jewelry, Fine Art, and Collectibles
Wine Collections
Secondary or Vacation Homes
Excess Liability / Umbrella Coverage
Flood Insurance (separate policy)
High-value items and custom coverage options

Is your home fully protected?
Many homeowners unknowingly carry policies that don’t cover everything they need. We’ll work closely with you to evaluate your risks and customize a policy that provides the protection you and your home truly need — whether it’s a cozy bungalow or a luxury estate.

Ready to safeguard your home and your future? Contact us today to review your homeowner's insurance options and make sure your biggest investment is properly covered.

Auto Insurance

Protect yourself and your vehicle every time you hit the road.
Your car or truck is more than just a way to get around — it’s often one of your most valuable assets, second only to your home. That’s why having the right auto insurance is so important. Whether it’s a fender bender or a major accident, proper coverage can help protect you from significant financial loss — and from the inconvenience of being without transportation. We’ll help you find the coverage you need at a price you can afford.

What is the minimum coverage required?
Not all auto insurance policies are created equal. Some policies only meet the state’s minimum legal requirements — typically covering damage you cause to other vehicles or property. In no-fault states, your policy may also cover your own medical expenses after a crash, regardless of who is at fault. In most areas, minimum coverage must also include some level of bodily injury liability and medical payments.

Bodily Injury Liability
If you’re at fault in an accident where someone else is injured, bodily injury liability coverage helps pay for their medical expenses and protects you from personal financial liability, up to the policy limits.

Uninsured/Underinsured Motorist Coverage
If you’re involved in an accident caused by a driver who has no insurance — or not enough insurance — this coverage can help compensate you for medical bills, lost wages, and other related costs.

Beyond the basics: Protect your vehicle with additional coverage.
You can also customize your policy with add-ons that provide greater protection for your own vehicle, including:

Comprehensive coverage — protects against theft, fire, weather-related damage, vandalism, and more.
Collision coverage — covers repairs to your vehicle after an accident, even if no other car is involved.
Uninsured motorist property damage — covers vehicle damage caused by uninsured drivers.

Ready to hit the road with confidence?
Whether you’re insuring your first car, adding a family vehicle, or upgrading coverage for a new ride — we’re here to help you find the right auto insurance to fit your needs and budget. Contact us today to review your coverage options.

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