Whitbeck Philip L Insurance Agency

As our client, you will have a team of highly qualified professionals working for you to provide you with the best coverage for you, your family, or your business.
Building a long-lasting relationship with our clients is our number one priority.
President Michael D. Whitbeck joined the agency in 1993.
He has more than twenty years experience in the insurance business and will use his vast knowledge to provide you with the proper coverages for your specific situation.
He specializes in Auto Insurance, Homeowners Insurance, Business Insurance and Life Insurance.

The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident.
Often this coverage is mandated by leasing companies or banks.
There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums.
If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.

If you have tangible assets, you need the protection of a homeowners insurance policy.
These policies cover you in a home or an apartment, whether you are an owner or a renter.
A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.
The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors.
The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis.

As a business owner, you have enough on your mind without having to worry about your insurance needs.
You want to have the confidence that the business you've built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy.
There are various types of commercial business insurance that takes care of property, liability and workers' compensation, to name a few.
While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers' compensation insurance covers injuries to employees.

It covers the contractor's interest in materials at the job site before they are installed, materials in transit intended for the job, and the value of the property being constructed until it is completed and accepted by the owner.
The policy may be written to cover the whole structure for new construction or the cost of remodeling and renovation projects.
It can also be used to cover specific projects, such as a new room addition, a deck, or a remodeled bathroom.
Both commercial and residential construction sites might be covered under a builders risk insurance policy.