We are here to provide the most coverage for the best price. As an independent agent, we will compare all of our companies for you. For service before the sale, we want to help you understand what your policy will do. Afterward, we want to make your insurance experience as pain free as possible. We have multiple companies, multiple payment plans, and we are a one stop shop for all your insurance needs.

A Word about Homeowners Insurance…

Your basic homeowners insurance and most commercial property policies do not protect you against damage from floods. In the case of the most severe floods, assistance is available; however, it’s usually in the form of loans through the Federal Emergency Management Assistance (FEMA) program. And that’s only after the federal government has declared the site a disaster. What’s more, those loans must be repaid on top of your existing mortgage loan, and you will be required to carry flood insurance.

A Word about Medicare Supplemental (Medigap) Insurance…

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.
Insurance companies can only sell you a “standardized” Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily.
You may be able to choose up to 12 different standardized Medigap policies (Medigap Plans A through L). Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through L, has a different set of basic and extra benefits.
It’s important to compare Medigap policies because costs can vary. The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell.
Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.
You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.