Trusted advice and insurance solutions to protect what matters most.
Home »
Personal insurance provided by Insurance Professional Network.
Life happens fast, and the truth is there’s nothing as valuable as peace of mind. Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.
Our insurance advisors take time to understand your unique needs, identify and eliminate gaps in coverage that might leave you exposed and create custom plans that fit your life. From auto insurance to home insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
See Personal Insurance
Which insurance solution is right for your family?
Explore how having the right insurance can protect you from the unexpected.
Bodily Injury Liability Coverage
Risk Factor
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Solution
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
Property Damage Coverage
Risk Factor
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.
Solution
Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.
Medical Payments Coverage
Risk Factor
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health care plan.
Solution
Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.
Uninsured / Underinsured Motorist Damage Coverage
Risk Factor
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, takes off? According to the Insurance Research Council, this happens more than you might expect. In fact, it is estimated that one in seven drivers go uninsured, leaving you to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Solution
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Physical Damage Coverage
Risk Factor
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Solution
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
Transportation Expenses / Rental Coverage
Risk Factor
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Solution
Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
Home Insurance
Your home is one of your biggest assets, and it's important to do all that you can to protect it. We'll help you plan for the unexpected with insurance coverage that's just right for you and your family.
Interactive Graphic
Auto Insurance
Your vehicle can be a fairly costly investment—one that is exposed to many potential losses that are out of your control. We'll make sure you have the protection you need at a price you can afford.
Interactive Graphic
Renters Insurance
When you rent or lease, your landlord's insurance usually only protects the building itself—not your personal belongings. We'll design coverage to protect your personal property and your lifestyle while renting.
Interactive Graphic
Condo Insurance
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We'll make sure you understand your bylaws and have the protection you need.
Interactive Graphic
Motorcycle Insurance
While you're on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We'll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Off-Road Vehicle Insurance
Your off-road vehicle needs protection that's different from what your auto or homeowners insurance can provide. We'll help keep you and your off-road vehicle safe and secure while you explore.
RV Insurance
Whether you're planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We'll work with you to make sure owning an RV is a rewarding experience, and also a safe one.
Snowmobile Insurance
Your snowmobile is used for recreation, but that doesn't mean that there aren't any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
Watercraft Insurance
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We'll help you leave your worries on dry land and fully enjoy your time on the water.
Classic Car Insurance
Your prized collector car represents real commitment of your time and resources. We'll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Pet Insurance
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
Flood Insurance
Just because you don't live in a high flood risk area, doesn't mean it'll never happen to you. We'll provide the specialized coverage you need to help protect your home from rising waters—even if you're not in a flood zone.
Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
Rental Property Insurance
Don't be fooled, just because your tenant has renters insurance doesn't mean that you—the owner—are protected. Rental property insurance is specially designed to cover the risks faced when you rent your property to others.
Valuable Possessions Insurance
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We'll get you the protection you need for your most precious belongings in the event of loss through theft, accident or natural disaster.
Excess Liability Insurance
Excess liability insurance is the best way to take your protection to the next level. It kicks in to pay any remaining costs once your original insurance policy has reached its coverage limit.
Umbrella Insurance
Experiencing a major insurance claim or lawsuit could lead to personal financial loss if costs exceed coverage provided by your standard homeowners and auto policies. We'll help protect your financial future.
Interactive Graphic
High Net Worth Insurance
People with large assets have unique risks. High net worth insurance is a customized policy type that protects clients from these risks—from home insurance to travel insurance and much more.
Interactive Graphic
Travel Insurance
Traveling is exciting, but there are risks associated with every trip. Investing in a travel insurance policy can help put your mind at ease so you can relax and enjoy the journey.
Secondary Home Insurance
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We'll make sure you have the right coverage specially designed for the unique exposures involved.
Individual Life Insurance
You can't put a dollar amount on your family, but you can ensure their future is protected. We can't predict when the unexpected will happen, but we can help you prepare for it when it does.
Interactive Graphic
Child Life Insurance
No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.
Individual Health Insurance
For those who don't have employer-sponsored health plans, an individual health insurance policy is a necessity. We'll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.
Individual Dental Insurance
Taking care of your teeth is part of being healthy. We'll work with you to design coverage that gives you dental care at a reasonable cost.
Long-Term Disability Insurance
Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We'll make sure you have financial support to manage your disability and your household.
Long-Term Care Insurance
Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We'll help prepare you for the unexpected.
Medicare Supplement Insurance
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
Annuities
Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.
Individual Retirement Accounts
IRAs are a powerful resource in helping you reach your retirement savings goals. Our experts will show you how an IRA can help you reach your retirement goals and which IRA type may best help you save on your taxes.