Payne Insurance Agency offers a variety of products for all your insurance needs including automobile, homeowners, renters, motorcycle, personal watercraft, life, health, and commercial. As an independent insurance agent we're able to offer the right coverage with many discounts, all with a personal touch. Our commitment to quality protection and value pricing make Payne Insurance Agency your "one stop" shop for all your insurance needs.
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Auto insurance protects you against financial loss if you have an accident.
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.
Most auto policies are for six months or a year.
Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
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.
Most auto policies are for six months or a year.
Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
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.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
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.
If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
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.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course.
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.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course.
Life insurance is a contract between an insurance policy holder and an insurer (the insurance company) where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person.
Depending on the contract, other events such terminal or critical illness may also trigger payment.
The policy holder typically pays a premium, either regularly or as a lump sum.
Other expenses (such as funeral expenses) are also sometimes included in the premium.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events.
Depending on the contract, other events such terminal or critical illness may also trigger payment.
The policy holder typically pays a premium, either regularly or as a lump sum.
Other expenses (such as funeral expenses) are also sometimes included in the premium.
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
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