We offer a variety of auto insurance with competitive premiums for all your vehicles (including trailers, campers, & motorhomes). Coverages include:

• Liability Coverage - Bodily Injury and Property Damage

• Medical Payments Coverage

• Other Than Collision Coverage (Comprehensive)

• Collision Coverage

• Broad Form Collision Coverage / Parked Car Coverage

• Uninsured and Underinsured Motorists Coverage

• Uninsured Motorists Property Damage Coverage

• Newly Acquired Vehicle Coverage

• Towing and Labor Coverage

• Accidental Death Benefit

• Loan/Lease Gap Coverage

• Repair or Replacement Coverage (Collision Only)

• Increased Limits for Excess Sound Reproducing Equipment Coverage

• Higher Limits Transportation Expenses Coverage

• Tapes, Records, Discs or Other Media Only Coverage

• Trip Interruption

Please contact us for more information.

We offer the following types of coverage for your home:

• Homeowners

• Condominium unit-owner’s insurance

• Renters insurance

Additional coverages available include

• Replacement cost for Dwelling and Personal Property

• Earthquake coverage

• Liability coverage for a seasonal residence or a residence rented to others

• Incidental business exposure in home

• Higher limits coverage for back-up of sewer or drains

• Waterbed liability (for tenants)

• Inland Marine coverage for scheduled items such as jewelry, fine arts, guns and collectibles

• Liability & Physical Damage for ATVs, Golf Carts, & Snowmobiles

Please contact us for more information.

We offer farm programs that provide outstanding coverage for your farm. Coverages include:

• Fire or lightning

• Windstorm or hail

• Explosion

• Riot or civil disorder

• Sudden and accidental damage from smoke

• Freezing

• Theft

• Collision

• Weight of ice, snow or sleet

• Milk contamination

• Falling objects

• Vandalism and malicious mischief

• Sudden and accidental tearing apart, cracking, burning or bulging

• Accidental discharge or overflow of liquids or steam

• Sudden and accidental damage from artificially generated electrical currents

• Sudden and accidental pollution

• Borrowed, rented, or leased farm equipment

Additional coverages available include:

• Replacement Plus for your contents

• Inland marine coverage for scheduled items such as jewelry, fine art, furs, guns and collectibles

• Special form coverage on barns and outbuildings

• Replacement cost for farm barns, buildings, and structures

• Loss of farm income

• Employment Practices Liability

• Equipment breakdown for residence, personal property, barns, buildings and structures

• Peak season inventory - farm personal property

• Intake of foreign objects into farm machinery

• $5,000 Identity fraud expense coverage (may be increased)

• $1,000 extra expense coverage (may be increased)

• $2,000 self-propelled farm machinery rental expense

• Liability & Physical Damage for ATVs, Golf Carts, & Snowmobiles

Please contact us for more information.

Homeowners, Farmowners, and Business insurance does NOT cover flood damage! Learn more about flood insurance by clicking on this link to the National Flood Insurance Program. Please contact us for more information .

We offer the following Business Insurance options that can be tailored to protect your business assets:

• Commercial Property Insurance

• Commercial General Liability

• Business Owners Policy (BOP)

• Inland Marine Insurance

• Commercial Auto Insurance

• Commercial Umbrella Insurance

• Crime Insurance

Please contact us for more information.

With an umbrella liability policy we can provide you with protection against catastrophic liability claims. An umbrella policy acts as excess coverage over your primary liability policies (i.e. home, auto, farm, business). Its limits apply in addition to the liability coverage provided by the underlying policies. An umbrella policy is used in one of three ways:

• To provide additional limits of protection over the coverage listed in the schedule of underlying insurance

• To act as primary coverage if your underlying limits are exhausted

• To provide broader coverage for some risks excluded by your primary liability policies. This is usually subject to the self-insured retention listed on the policy.

Please contact us for more information.

We offer coverage for boats that are used for personal pleasure up to 40 feet in length and $100,000 value. Coverages include:

• Property, Liability, and Uninsured Boaters and Underinsured Boaters coverage for all covered boats

• Replacement Cost Coverage for partial losses to boats less than 11 years of age and insured to at least 80% of full replacement cost

• Split deductible options available on Boats, Motors and Additional Property Damage

• Lay-up Period may be waived

• Increased Emergency Service Coverage is available ($50 included) up to $5,000

• Increased Miscellaneous Equipment Coverage ($1,500 included). Coverage may also be purchased for fishing and water sports equipment

• Coverage for non-owned boats, other than substitute boats, up to $10,000

• Medical Payments Coverage—includes water skiing, knee boarding, & tubing

Please contact us for more information.