Insurance and all of the little nuances involved can be difficult to keep up with and understand. Our independent agents are skilled, knowledgable, and committed to helping you. By using an independent insurance agent, you get a professional and personal approach to customer service. Our agents will take into account your personal situation and work diligently to find you the best rates and most appropriate insurance coverage for your situation. Have questions? Give us a call or check out our FAQ list. We’re happy to answer any questions you may have!

Why do I need to buy insurance?

  • Protects your assets against attachment as a result of a court award.
  • Provides for cost of defense if you are sued.
  • Allows you to purchase high-value items, such as a car or a home, by insuring the collateral on behalf of the financial institution that lent you the money.
  • Provides financial security for your family in the event of your death.
  • Provides for the health care of you and your family through systematic payments.
  • Allows you to save for retirement while deferring interest payments to a time when your income is lower, thus reducing your tax payments.
  • Allows you to remain financially solvent when you’re ill and can’t work.

What factors affect the insurance premiums I pay?

  • Claims activity – including costs such as medical care, auto body repair, construction, legal defense, jury awards, claims adjustment, and insurance fraud.
  • Overhead – including rent, utilities, employee salaries and benefits, office supplies, equipment, and furniture.
  • Investment income.