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Simply stated, it is protection against a financial loss.

There are several types of risks covered for day-to-day living:

  • Auto accidents
  • Flood
  • Death
  • Identity theft
  • Fire

There are several types of insurance covered:

Auto: Financial loss protection if you have an auto accident with coverage for:

  • Property
  • Liability
  • Medical
  • Uninsured/Underinsured Motorist


Home:  Financial loss protection for fire or weather-related destruction, in two forms:

  • Actual Cash Value:  Value of replacement costs or less depreciation
  • Replacement Cost:  Covers labor, materials, and replacement service costs without a deduction for depreciation cost


Life:  Financial loss protection for a beneficiary after a loved-one’s death.  Available in two forms:

  • Term Insurance:  Coverage for a specified period of time
  • Cash Value Insurance:  Combination of death benefit and cash value component


Commercial:  Financial loss protection against business-related risks, including:

  • Injured Workers
  • Equipment and building destruction
  • Liability

Contact us for more information or questions regarding insurance coverage.