We provide customized solutions for families and business owners. For families, this will include protection for your home, autos, condos, vacation/weekend properties, rental properties or life insurance for your family members. For business owners, this will include protection for your business, professional liabilities, cyber liabilities, worker’s compensation, property or commercial vehicles/equipment. Having access to a variety of insurance partners allows us to work on your behalf and truly customize a protection plan for you, your family or your business.
Homeowner’s insurance is not a luxury, it is a necessity. This protects your home and possessions against damage or theft. While this damage might be caused by a multitude of things, we help you evaluate the risks that your home might encounter, find the broadest protection available and provide you with peace of mind.
Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. While minimum coverages are the least expensive, we help you evaluate additional coverages to best meet the needs of your family and budget
Commercial insurance is a broad term that normally is understood as general liability insurance for a company. Risks to a business owner could also require coverage for Property, Vehicles, Professional Liability/Errors & Omissions, Cyber Liability and Worker’s Compensation. We shop multiple markets to find the best coverage plan for your business needs.
Protecting our Customers
We consistently listen and focus our attention on the needs of our customers, which allows us to deliver the best possible solution, regardless of the situation or need. We approach each customer relationship with honesty and integrity as if they were a member of our own family.
We go to extraordinary lengths to satisfy and delight our customers. We want to meet or exceed their expectations on every encounter with our agency, with our 5-Star customer service environment.
We offer value to our customers by providing them with high quality products, extraordinary service and a competitive price. Having a variety of partners will allow us to shop carriers for the best value package for each customer.
Frequently Asked Questions
Do I really need more than minimum coverage for my vehicle?
While your state has a minimum coverage level for your vehicle, the costs associated with accidents is always increasing. One factor that should be considered is if you cause a multi car accident. Would you have enough liability coverage to pay for the damages and injuries for every person involved? Any shortage would have to be paid out of pocket. We help our customers find the balance between what they can afford in their monthly budget for auto insurance and what they could afford if they were involved in an accident.
What is the difference between collision and comprehensive coverage
Collision pays to repair or replace your vehicle after an accident. Comprehensive is often referred to as “other than collision” coverage. It pays to repair or replace your vehicle if stolen or for damaged caused by fire, flood, vandalism or something other than a collision.
Why should I buy full coverage when I only am required to have liability coverage on my vehicle?
Yes, you are only required to have liability coverage on your vehicle, however this only protects your family if you have caused the accident. Liability does not provide any coverage if the other person was at fault and did not have insurance or if the cause of the damage was caused by something other than an accident like a broken windshield or a flood.
Is homeowners insurance required?
While the law does not require you to have homeowner’s insurance, most mortgage lenders will require you to have it. Even if you do not have a mortgage, having homeowners insurance is a good idea because it helps protect your home and your assets.
What is the difference between replacement cost and actual cash value?
Your homeowners policy will provide coverage based on replacement cost or actual cash value. Sometimes one coverage will be based on replacement cost and another will be actual cash value. Replacement cost pays to repair or replace your house and personal items at current prices. Actual cash value is the replacement cost of the covered item(s) minus any depreciation caused by time or wear and tear.
What coverage do I have in the event of a flood?
Homeowners policies do not cover damage caused by a flood. This damage is covered by a Flood Insurance policy. If you live in a flood hazard area, your mortgage lender may require you to purchase flood coverage. Many homeowners that do not live near a flood hazard area or have never flooded before are finding the risk of a flood hazard increasing in their community. This is primarily caused by over-development of the communities or inadequate drainage plans. Flood insurance will provide the additional peace of mind in the event of a flood.
What is professional liability?
Professional liability is for specialists who are normally licensed in their field of expertise. Financial professionals, doctors, lawyers, accountants, architects, engineers, etc. can be held liable for claims resulting from errors related to their professional services. General liability does not protect against these errors.
What does E&O Stand for?
Errors & Omissions. This is a type of professional liability insurance that protects businesses and employees in the case of inadvertent harm to their clients caused by their professional services.
“Robert is one of the best people I know. He is a great guy to work with!”
“Very friendly, best rates on home and car insurance I found!!!! Every single person I have had contact with has been friendly and very helpful! If I have a question Mr. Kent is right on top of calling me back to help me out! Very satisfied customer!!! “
“Robert Kent is nothing but professional and on top of his game. I highly recommend this courteous and caring agent to serve any insurance needs you may have.”
Why We’re Different
Our mission is to be different for our customers. Each day, you expect a high level of service and we will do the little things that others don’t and others won’t. This will allow us to help more families in more ways.
We know that you deserve a high level of customer service, We make periodic contact with each customer to help them maintain a high confidence in the protection of their family.
We do not take the opportunity to protect your family for granted. We work with highly rated insurance partners to provide you with the protection you desire
We shop from multiple insurance partners to ensure that you are getting the highest levels of protection for your money. We shop not only when we begin our relationship with you, but at each renewal to ensure that you will continually receive the best value.