South Winn Insurance Services
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With other agencies, you get one company that sells one brand of insurance. With an independent insurance agent, you get choices. Why? Because independent insurance agencies, like South Winn Insurance, represent multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the community, and we are committed to doing business face-to-face and being your advocate in times of need.

We work for you when you have a claim. We are not beholden to any one company. This means you don't have to change agencies as your insurance and service needs change. We are your consultants, working with you as you determine your needs. We are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.

We offer one-stop shopping for a full range of products, including home, renters, auto, business, life and health. There is a difference. To find out how an independent insurance agent can help you find the right insurance coverage, please contact us today.
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Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance can provide property, liability and medical coverage: Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
This includes damage caused by household pets.
Damage caused by most disasters is covered but there are exceptions.
The most significant exceptions are damage caused by floods, earthquakes and poor maintenance.
Farm owners have unique insurance needs from other businesses and homeowners.
Traditional coverage may not adequately respond to those needs.
We can help insure this special way of life for your farm.
Whether it is a small hobby farm or full-functioning farming operation, we have a product to help protect your farm home and property.
Our agents will work with you to design the appropriate coverage at the appropriate price.
A personal umbrella or "excess liability" policy is an inexpensive supplement to the liability coverage you carry on your personal auto and homeowners/renters policies.
The main purpose of an umbrella policy is to protect your personal assets from an unforeseen event in which you or a family member could be deemed liable for damage or injuries.
Renters Insurance not only covers your possessions but also provides liability coverage if an incident occurs and a person suffers an injury at your rented house or apartment.
Along with these important coverages, if an injured person filed a law suit (instead of or as well as a claim on your policy) the renters policy would cover legal expenses up to the limits you carry on the policy.
If a person chooses not to carry a renter's policy, all of these costs would be a person's responsibility to pay completely out of their own pocket.
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