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The Entire Focus of Our Business is YOU.

We are an independent insurance agency committed to protecting the things you love most, from your family and home, to your life and livelihood.  

Home Insurance

Home is where you hang your hat, create happy memories with family and friends, and rest your head at the end of each day. We understand that home is more than just a house, and help you protect all the precious things inside of it.

Auto Insurance

Accidents happen. So do hail, theft, and vandalism. Though we hope you never have to use it, good car insurance is there to protect you against the unexpected on the road. We compare quotes from top carriers, so you know you’re getting a great deal on the best coverage.

Life Insurance

We’re in the business of protecting people. Plain and simple. You work hard for your dreams. Our passion is helping you safeguard your most valuable asset – your life – so that you can focus on living it.

Health Insurance

None of us plans to get sick or hurt. Quality health insurance protects you from the unexpected. We can help you choose a plan that matches your lifestyle and your medical needs – present and future.

Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs. We will design a program tailored to protect your unique business, saving you time and understanding that every dollar counts. 

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Deductible

The amount a person has to pay out of pocket before an insurance plan covers costs. This is the portion of your medical expenses that is not covered by a copay and you are responsible for 100%, until you reach your deductible.

Premium

A payment made to an insurance company in return for them paying insurance claims according to the terms of your policy. 

Copay

A flat fee you pay toward services such as doctor visits or prescriptions.

Coinsurance

When you reach your deductible, you must pay a percentage of the remaining costs—this is the coinsurance amount.

Some people get confused about copay versus coinsurance. Remember, they are not the same thing. Copay = flat upfront payment for services. Coinsurance = a percentage of the remaining cost, shared with your insurer.

Endorsement or Rider

Benefits that you can add to your policy, usually for an additional premium. 

Insurance

A way of protecting yourself financially by arranging for the payment of a sum of money in the event of loss or injury occurring.

Pure Risk

The risk involved in situations that present the opportunity for loss or gain.

Solution: The answer to or disposition of a problem

A.M. Best Glossary of Insurance Terms

http://www.ambest.com/resource/glossary.html –  A comprehensive glossary of terms and their definitions to better help you understand your coverage

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