Joski Insurance Agency
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We don't work for any one insurance company - we work for you, our valued clients. When you do business with Joski Insurance, you're supporting a local business. You are taken care of by a team of professionals who truly care about you and your family. When you do business with our agency, you're not only supporting your local community, but you're being serviced by a local business who knows your name, and your unique coverage needs.

You never have to deal with a call-center again. When it comes to understanding insurance contract language like conditions, exclusions, and limitations, not all insurance agents are created equal. We have in-depth knowledge of many of the various insurance products out there, as well as the companies who offer them. Our experience allows us to navigate these companies and products on your behalf.

We work for you to get the appropriate coverage for your needs.
Services
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from a traffic collision and losses associated with the incident.
Auto insurance may also offer financial protection against theft of and damage to your vehicle sustained from things other than traffic collisions.
Coverage for an insured vehicle that has been stolen or damaged by something other than collision such as fire, hail, vandalism or hitting an animal.
Coverage for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance or who does not have enough insurance.
Homeowner's insurance also commonly called hazard insurance is a type of property insurance that covers your private residence.
Coverage for the structures separated from the dwelling by a clear space or connected by a fence, utility line, or similar connection.
This is typically a detached garage or storage shed.
Coverage for your belongings.
From your favorite recliner to the clothes on your back, your belongings are covered anywhere in the world.
Coverage for an accident, in or out of the insured home, that results in bodily injury or property damage that you are held legally responsible.
Life insurance provides a cash payout after death to designated beneficiaries.
Beneficiaries can be spouse, children, trust, estate, charity or key person of a business.
Coverage for life that pays a cash benefit at time of death as long as premiums are paid.
Whole life is permanent life insurance and has a fixed premium and accumulates a cash value.
Health insurance and Medicare Health Plans offer coverage for seniors, individuals, families or groups that pay for medical and surgical expenses; disability protection; and/or coverage for skilled-nursing facilities.
Health insurance reimburses the insured for expenses, minus copayments, deductibles or coinsurance, incurred from illness or injury, or will pay the provider directly.
There are several options of health insurance available.
Coverage for some of the medical costs for individual or families if there is a medical emergency.
Report claims directly to your insurance company as soon as possible, preferably within 24 hours of loss.
Most insurers offer claim lines 24 hours a day, 7 days per week and many provide online claim reporting.
Please contact your insurance company directly as noted on your ID card or insurance policy or go to the company website for details.
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