Insurance Basics

The coverage you need


What is Auto Insurance?

Auto Insurance is a contract between you and your Insurance Company. It can provide coverage for your owned vehicles as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Homeowners Insurance?

Homeowners Insurance is a contract between you and your Insurance Company. It can provide coverage for your home and your belongings as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Renters Insurance?

Renters Insurance is a contract between you and your Insurance Company. It can provide coverage for your belongings in a house or apartment you rent as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Boat Owners Insurance?

Boat Owners Insurance is a contract between you and your Insurance Company. It can provide coverage for your boat and boat equipment such as anchors, life preservers, dinghies, etc. It can also provide you with liability protection, should you injure someone with your boat or damage their property. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Condominium Owners (Condo) Insurance?

Condo Insurance is a contract between you and your Insurance Company. It can provide coverage for your condo and your belongings as well as legal responsibilities you may incur as a result of injury or property damage you or members of your family may cause to others. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Dwelling Fire Insurance?

Dwelling Fire Insurance is a contract between you and your Insurance Company. It can provide coverage for your Home (Primary or Secondary) as well as for other dwellings that you may rent to others. Typically, Dwelling Fire Insurance only covers the actual structure against covered losses. In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Umbrella Insurance?

Umbrella Insurance is a contract between you and your Insurance Company. It can provide additional Liability coverages beyond that provided in your other policies (Home, Auto, Boat, etc). In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.

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What is Farm Insurance?


Farm and Ranch Insurance is a contract between you and your insurance company. It can provide personal insurance for your home, contents, and personal liability in addition to providing business coverage for your farm and ranch operations including liability, equipment, and outbuildings.
In exchange for your premium payment, your Insurance Company agrees to pay losses as defined in your policy.







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