Auto Insurance

At our agency, we'll personally review your coverage and help you get the most amount of coverage for the least amount of money!

Auto Policy Definitions:

• The first number is the limit (in thousands of dollars) that your policy will pay for bodily injury per person in the event of an accident.
• The second number is the total limit your policy will pay for bodily injury to two or more people per accident.
• The third number is the limit that your policy will pay for property damage per accident.

Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high personal injury awards in lawsuits.

Please consult us to make sure you have adequate converge- we'll be happy to help you!

Uninsured & Underinsured Motorist
Covers you when you are injured or your property is damaged by someone who is not insured or has inadequate limits of coverage. This is often an overlooked coverage, and we would be happy to help you understand this better!

Collision
This covers the cost of replacing or repairing your vehicle in the event of an accident in which you were at fault. The premium varies depending upon your deductible limits.

Comprehensive
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism. Hail and other "acts of God" are covered, as defined by your policy. This also has a deductible, so please consult with us about which deductible meets your needs.

Homeowners Insurance

The single biggest investment you may make in life is your home. Are you sure you've protected your investment? Let us review your homeowner's policy with you and make sure there are no gaps in coverage.

In addition to reviewing your insured value and other coverage, we'll take a look at the following important areas:

• Dwelling & personal property
• Personal liability
• Medical payments to others
• Additional living expenses

Don't let another day go by without a complete review of your policy. Let's make sure that you are covered properly!

Basic Coverages Included in Homeowner's Policies:

Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.

Property Damage Coverage
"Property Damage" coverage is designed to help pay for damage to your home and personal property.

"Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.

"Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area. If you need additional coverage for higher valued items, please ask us.

Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater itemizes each item, gives a description of the item insured, and lists excluded perils. It normally provides coverage that is broader than the coverage in your standard homeowners insurance policy. Please ask us if you need an evaluation of your risk in this area.

Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.

Additional Living Expenses
Where will you live if your home is badly damaged? If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.

Renters Insurance

Are your valuables covered in the event of a fire, theft, or broken water pipes? Who will pay your living expenses if your apartment is uninhabitable due to a covered loss? Ask us- we'll be glad to show you how inexpensive renters insurance is.

"I rent an apartment. I don't need insurance- do I?"

Yes, you need Renters Insurance. If there is a fire or other catastrophe, who will replace your:

• clothing
• furniture
• stereo
• TV
• computer
• jewelry

Your landlord only insures the building you live in - NOT YOUR personal belongings!

Personal Liability Coverage
This coverage gives you liability protection against claims caused by almost any unintentional act, and will help pay legal expenses to defend such a claim.

Personal Property
Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss. Common losses are due to not only fire and theft, but also accidental and sudden discharge of a sprinkler system. Water damage can be as destructive as fire- don't get caught without the right insurance!

Loss of Use
Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.

Contents Replacement Cost
This option extends the coverage on your personal property to include the ACTUAL cost of repair or replacement without any deduction for depreciation. There are, of course, policy limits, so ask us for details.

Personal Articles Floater
This extends coverage for your valuable articles, such as jewelry, furs or collectibles, when their value is higher than the limits stated in your policy.

Stop for a moment to reflect on everything you’ve worked hard for in your life – your home, your car, your family’s security. You may even have a recreational vehicle or a boat for family getaways. And, if you’re reading this, you probably have adequate Auto, Home and Life insurance coverage. However, in today’s society, no one is exempt from large liability losses. Let’s face it, people are growing more willing to sue every day. The bottom line is, It can happen to you. If it does, Farmers can help you get back where you belong.

The Farmers Personal Umbrella
Besides providing increased liability limits, a personal umbrella policy gives you these additional benefits:

• You are protected against claims that may not be covered by your underlying policies for homeowner’s, auto liability and watercraft liability, such as: libel, slander or defamation of character.
• You are covered anywhere in the world.
• You are covered for defense costs and attorney fees associated with claims against you that are covered by your personal umbrella policy, but not by your primary policies. These expenses are paid in addition to your policy limit.

Are You Prepared?
A Farmers Personal Umbrella policy gives you the security and peace of mind you need to enjoy life’s pleasures.

We can help you plan a Life Insurance program that fits your needs and meets your goals. We offer a variety of policies for you to choose from:

• Universal Life Insurance
• Mortgage Protection Plans
• Business Life Insurance
• Term Insurance
• Whole Life

Universal Life Insurance
A Universal Life Policy is designed to meet your needs like no other policy can!

With a Universal Life Policy, you can:

• Accumulate tax-deferred savings
• Vary your premiums
• Vary your benefit
• Suspend payments periodically

Universal Life allows you the flexibility to make changes as your life circumstances change, without having to change your life insurance policy. Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future. Ask us about a personal Life Insurance Review. We can help you determine the amount of coverage you need, and show you how simple it is to get started!

Term Life Insurance
Term Insurance covers you for a specified period of time, such as one, five, ten or twenty years. Once the term is expired, you must renew it, often at much higher rates. The policy only pays a death benefit if you die in that period of time. Term Insurance often has specific rules about when and how you can renew the policy.

Term Insurance normally NEVER builds cash value. However, Term Insurance has the advantage of normally providing the highest death benefit for the lowest premium. Ask us about which Life Insurance policy is right for you and your loved ones. We will be happy to explain the differences in simple, easy to understand terms.

Are you paying too much for your current health coverage?

We can help you review all of the plans available at affordable rates to individuals and families as well as small and large groups!

You can apply online now. Learn more>