No two homes are exactly alike. We take the time to tailor the coverage to your specific needs. Homeowners insurance covers much more than just the dwelling you live in; it’s protecting your possessions and you. First Insurance agents give you peace of mind. You will know you have adequate coverage with reputable carriers, at an affordable price with an agency that cares.
Homeowners Insurance
Homeowners insurance provides coverage for owner occupied private residences. Eligible risks include individual houses, condominiums, and townhomes. Coverage is available for the physical structure, the owner’s contents and for liability.
Auto Insurance
Personal auto insurance provides coverage for physical damage and liability coverage. The physical damage coverage insures the current value of your vehicle and is normally subject to a deductible. The liability portion of the policy provides coverage when you are responsible for property damage or injury to others. The personal auto policy includes medical coverage, uninsured motorist coverage and underinsured motorist coverage.Â
Personal Umbrella
Personal umbrella coverage is purchased for two reasons. This coverage offers a limit of coverage that is over and above the auto and homeowners limits that you have in place. Personal umbrella coverage also offers additional coverage that is not provided with the underlying auto or homeowners coverage.
Flood Insurance
Flood policies provide coverage for losses caused by a flood. Flood insurance is underwritten by the federal government. Policies are issued by private companies.
This type of coverage is excluded on typical homeowners and business policies.
