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• Auto Insurance 
• Homeowners Insurance
• Renters Insurance
• Business Insurance

Why do I need to purchase insurance?

• To protect your assets.
• Provides for cost of defense when you are sued.
• Allows you to insure the collateral of high priced items on behalf of the financial institution that lent you the money.
• Financial security for your family in the event of a severe accident or death.
• Provides for the health care of you and your family through a series of payments.
• Allows you to save for retirement while deferring interest payments to a time when your income is lower, thus reducing your tax payments.
• Protects you financially when you become ill and can't work.

What determines the insurance premiums I pay?

• Claims activity like medical care, auto body repair, construction, legal defense, jury awards, claims adjustment, and insurance fraud.
• Overhead including rent, utilities, employee salaries and benefits, office supplies, equipment, and furniture.
• Investment income.