We are an Independent Insurance Agency. Because we represent a carefully selected group of financially sound, reputable insurance companies, we are able to offer you the best coverage at the most competitive price. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you receive fair, prompt payment.
Felicia and Gene Payne each have 20 years experience in the insurance industry. Our commitment is to provide the best possible solution for each client and each individual need. Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. Carrying the right amount of coverage is essential to protecting your family and belongings.
Felicia and Gene Payne each have 20 years experience in the insurance industry. Our commitment is to provide the best possible solution for each client and each individual need. Homeowners insurance protects you from financial losses caused by storms, fire, theft, and other events outlined in your policy. Carrying the right amount of coverage is essential to protecting your family and belongings.
Services
A non-profit group sponsored by the insurance industry to provide general information about insurance.
This is an excellent resource for unbiased information.
Order publications at the web site.
The Life and Health Insurance Foundation for Education (LIFE) is a non-profit organization designed to address the public's growing need for information and education on life, health, and disability insurance.
Kelley Blue Book is a service designed to help you determine the value of your vehicle.
It also provides new car and used car pricing to assist you if you are planning to purchase a car.
This is an excellent resource for unbiased information.
Order publications at the web site.
The Life and Health Insurance Foundation for Education (LIFE) is a non-profit organization designed to address the public's growing need for information and education on life, health, and disability insurance.
Kelley Blue Book is a service designed to help you determine the value of your vehicle.
It also provides new car and used car pricing to assist you if you are planning to purchase a car.
What is auto insurance?
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.
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.
An auto insurance policy is comprised of six different kinds of coverage.
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.
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.
An auto insurance policy is comprised of six different kinds of coverage.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
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.
What is Homeowners insurance?
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.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear.
You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Why do you need insurance for your motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment.
If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
If you or a passenger is injured in an accident, medical costs can be extremely expensive.
If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
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