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Personal Insurance | Commercial Insurance | Employee Benefits | Group Life/Health
Personal Package |
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We can combine your auto, home and any other coverage in one comprehensive policy. We can start with your auto or home and then "package" all the other coverages when your current policy expires. |
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Homeowner, Condo, Renters |
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A homeowners policy reimburses you for damage to your home from various causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alternations to your residence. |
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Personal Auto |
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You need to protect yourself in case your vehicle is damaged or stolen. Just as important, you need insurance for liability-property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursements and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy such as including installation of custom audio equipment, business use of your auto and even teenage and guest drivers. |
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ATV Insurance |
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Insurance on an ATV is optional, but there are several situations where liability protection you have under other policies may not apply. Some states require insurance for ATVs operated on state-owned land and your homeowner policy may not protect you if you ride off your property. ATV insurance can fill in these gaps and will reimburse you if your ATV is stolen or badly damaged. ATV Insurance includes Liability, Medical Payments, Comprehensive and Collision coverage, much like an auto policy. |
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Boat |
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One policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators. |
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Dwelling Fire Insurance |
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Dwelling Fire Insurance is designed to insure residences you own or have a financial interest in but do not live in. Common situations calling for this type of insurance coverage include rental homes, homes that are vacant because they are temporarily uninhabitable or are not currently occupied because of a transition caused by a sale or relocation. In these situations, insurance protection is needed for the building but typically not for any contents. Liability insurance for the property can sometimes be added or may be handled through alternative approaches. |
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Farm and Ranch Insurance |
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Farm and Ranch insurance can be tailored to protect the part-time farmer to the full scale one. Plans can include protection for your personal and business assets and legal liability insurance for both personal and farming pursuits. |
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Flood Insurance |
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Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20% of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program. |
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Home Business |
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More and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that suits you and your business, no matter how small or how new. |
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Motorcycle Insurance |
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Motorcycles have a higher rate of fatal accidents than automobiles. Motorcycle insurance covers most types of motorcycles including cruisers, street sport, touring, high-performances bikes and scooters. |
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Personal Umbrella |
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Sometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more. |
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Recreational Vehicle Insurance |
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Your RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle. |
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Mobile Home |
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Today's mobile homes have all the advantages and conveniences of a conventional home. They represent a comfortable, secure home of your own. This policy is designed to provide you, your home and your personal property with the protectin you need today and the flexibilty you want for the future. |
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Personal Insurance | Commercial Insurance | Employee Benefits | Group Life/Health
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 3744 Teays Valley Road Suite 101 | Hurricane, WV 25526 | 304-757-6880 | Toll-free: 800-794-6880 |
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