Home & Auto COVERAGE

Through competitive pricing and exceptional service our staff works in conjunction with the client(s), to determine their needs and match them with one of our variety of products.

Renter’s & Tenant’s INSURANCE

If you’re renting an apartment or home, you’ll need an insurance policy to cover your belongings.

Personal Lines Products

  • Motorcycles
  • Boats
  • Snow Mobiles
  • Vacation Trailers
  • Motor Homes
  • Recreational Vehicles
  • Rented Dwellings
  • Farm Insurance
Insurance is often defined as spreading the risk of the few among the many, in regards to premiums paid. I have always looked at it as, few can cover the expenses of an immediate mishap on the spot as the general public is leveraged far above their means. Insurance provides comfort and peace of mind.Tony Carlton

Home and Auto Discounts

You May Also Qualify For A Discount On Your Personal Lines Products if one or more of the following applies to your policy –

  • Age
  • Claims free
  • Multi-vehicle
  • Multi-policy
  • Alarm
  • New home
  • Mortgage Free
  • Experience
  • Loyalty
  • Stability
  • Occupation
We all work hard & live busy lives, Home and Auto Insurance protects our hard earned assets from the uncertain, unintentional and unforeseen circumstances or expenses that we call life!Tony Carlton

Insurance is a risk management tool.

Think of your life as a 10 rung ladder; every step representing 10 years. The first couple steps (the crazy years) the acquisition of assets isn’t great although the risky behavior is high. Upon completion of school and starting their careers(s), larger assets are acquired and that usually brings insurance more into focus. Purchases are easy, financiers are tough, banks and other lenders look to ensure their loans are safe and Insurance provides that coverage for the unforeseen events.

Home Insurance

We are proud to offer you our Property Plus Program for Homeowners. With some companies their property policies automatically include the following enhancements at no extra cost:

  • Bicycles up to $2,000 per bike
  • Bylaws coverage up to $30,000
  • Fire department charges up to $10,000
  • Home computer software
  • Identity theft up to $10,000
  • Jewelry and furs up to $6,000
  • Property of a parent in a nursing home – liability included
  • Property of a student (living away from home temporarily) – liability included

In addition to the above, each individual policy has their own specific highlights.

Auto Insurance

We believe that service and flexibility are the most important factors when looking at car insurance and each client should be looked at on an individual basis, based on their merits as a driver.
With some of our companies we provide automatic coverages with our car and truck insurance for your peace of mind.

  • If you are over 25 years old we will automatically include loss of use coverage for a rental car if your car is damaged in an accident and is being repaired.
  • If we insure your property and you are over 25 years old, we will automatically include our Package Plus Endorsement which includes the following coverages:
  • Loss of use coverage
  • Coverage for non-owned vehicles: e.g. when renting a car.
  • Waiver of Depreciation Endorsement: This is coverage for your new vehicle which will, for a limited time, compensate you for insured losses with no depreciation.


Call us today to see how we can help you save money and increase coverage.

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