Personal Insurance Renewal Survey

Most of us have had our windshield chipped by a rock while driving. Some of our carriers offer glass coverage with a low or $0 deductible for a minimal increase in premium. This is a great option will reduce your out of pocket costs if a replacement is needed.

Provides reimbursement for covered expenses such as attorney's fees, lost wages, loan application fees & other expenses in the event your identity is compromised. Coverage varies by company. (Est cost: $30/yr)

Most homeowners policies do NOT automatically cover damage to your home or personal property in the event of a sewer or drain backup which overflows from a sump pump or similar system.

With all the uncertainty in today's health insurance market and an increase in people without health insurance it has become more common to hold higher medical payment limits on auto & home insurance policies.

Property insurance does NOT cover flood damage. You must obtain a policy through the Federal Emergency Management Agency (FEMA) if additional coverage is needed. We can sell and administer this policy for you!

Although earthquakes are not common in our area, they do occur and can cause damage. "Earth Movement" is excluded from a homeowners policy by default.

A Personal Umbrella Policy provides additional financial protection beyond the base limits on your auto and home policy.