We do not work for an insurance company. We work for you, and are on your side when you suffer a loss and follow it through to ensure that you get fair, prompt payment and service. We represent a carefully selected group of financially sound, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
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You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance.
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 mile per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10 percent of the home's property value and generally includes the boat, motor and trailer combined.
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