Auto Insurance - There are two basic parts; liability in case you are held responsible in an accident, and physical damage coverage in case your car is stolen or damaged.

You need to be very careful when choosing liability limits. If you are at fault in an accident the courts will look at your job, your home, your investments and your future income when deciding how much to award to the injured person.

Antique/Classic Car - This is for older cars of value which are not driven every day. If you have a Corvette Stingray, Austin Healey 3000, Mercedes Benz 220 Cabriolet or other classic car, please contact us. We have special protection available for you and the cost is surprisingly reasonable.



Homeowners - The homeowners policy provides money to rebuild your home, replace your contents and protect you from certain lawsuits. The error we see every day is people choosing the wrong amount of insurance for their home. In order to solve this problem we personally go to your home, take a photograph of the exterior and measure the outside dimensions.

Then, using special computer software, we come up with the replacement cost for your home. As a result of this extra service, you enjoy the peace of mind that your home is not overinsured or underinsured.

If you have a larger home, you may qualify for a High Value Homeowner policy. This provides several important improvements over the regular policy. Please call us to discuss the details.



Co-op / Condominium - There are two unique coverages that apply only to co-ops and condominiums. The first is a special kind of Building Coverage. It covers those items that are the responsibility of the unit owner. The second is Loss Assessment Coverage. This protects the unit owner for certain losses if there is an assessment by the Co-op or Condominium board.

These coverages are frequently overlooked. Contact us for advice on properly protecting your interests.



Renters - You’re on the golf course and your errant drive hits and injures someone. During a driving rainstorm you accidentally poke someone with your umbrella. A friend comes to your apartment and slips on your throw rug. Those are three reasons to have renters insurance.

Your landlord does not carry any insurance that protects you against these potential liabilities. Renters insurance also covers your personal property against fire, theft and other perils. Contact us for more information. Your annual cost is typically less than $200.



Valuable Items - All homeowners policies have limits on valuable items. The usual limit is $1,000, in total, for theft of jewelry, watches and furs. If you have any of these items, or silverware or coin collections, valuable artwork, a grand piano or other valuables, please contact us. A Valuable Items policy will protect these pieces for you, at a reasonable cost.

Personal Umbrella Policy - This is the best value in personal insurance, and only 15% of those who should have it, do have it!

It provides $1,000,000 or more in protection above the liability limits of your auto, homeowners and boat policies. If you’re involved in a bad accident, your regular liability limits will not be enough, and that's when your umbrella policy will kick in.

It offers great peace of mind. The cost is reasonable, especially for $5,000,000, which is currently a very popular choice of coverage among our customers.



Flood Insurance - The Federal government provides flood insurance and sets all the rates. We get the quotations, help you to complete the application, and provide the ongoing service. Your homeowners policy does not have any coverage for flood damage.

Recreational Vehicles - If you have a motorhome or a snowmobile, you need to cover it separately, since your auto policy does not provide any coverage. We represent the largest insurer of recreational vehicles in the country.

Contact us for details on any of these policies.