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With an independent agent, the policyholder will receive a more personalized service. An independent agent is able to provide competitive rates and more options to better suit your needs.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

When speaking with your agent to set up your policy, let them know about high value items you may be  concerned about. Our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

Collision is a loss that occurs when your vehicle collides with another vehicle (or object). Comprehensive provides coverage for non-collision events that are out of your control, such as hail, vandalism, glass and windshield damage, fire, accidents with animals, etc.

Where you garage the vehicle, the type of car you drive, is it for commuting or business, and your driving record are just a few of the factors that are considered.

Actual Cash Value is used when the policy owner is entitled to the depreciated value of the damaged property. Replacement Cost is a reimbursement for the amount required to replace the article of similar type and quality at the current prices/values.

General liability is going to protect your business from damages if  there is a 3rd party bodily injury and/or property damage. Professional liability protects individuals and businesses from negligence, errors, omissions, and other issues that may arise from professional services.