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Personal Products

 

Homeowner, Condo Owner, and Renters Insurance

One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of 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 alterations to your residence.

 

Flood Insurance

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 percent 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.

 

Scheduled Personal Property

Many of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.

 

Personal Auto Insurance

You need to protect yourself should your vehicle be 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 reimbursement 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; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.

 

Motorcycle Insurance

Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.

 

Recreational Vehicle Insurance

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.

 

Antique, Classic and Customized Automobile Insurance

Special autos come in all shapes, sizes and model years. We share you dedication to caring for and protecting your special vehicle. Let us help you care for your classic car by providing the policy that is right for it and you.

 

Boat Insurance

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.

 

Personal Umbrella

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.

112 South 4th Street Yukon, OK 73099

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