Personal Insurance

Personal Insurance

We believe every person deserves access to sound, informed insurance advice. Regardless of your situation, we're ready to help protect your future. Come rain or shine we'll keep what matters most safe.

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Business Insurance

Business Insurance

No two people are the same, and our insurance professionals know this better than most. Our deep insurance knowledge and broad life experience inform our every decision, with only one goal in mind: your protection.

With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

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CULTIVATED FOR YOU

Fallen Tree Damage—Who Pays?

As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed?

In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control, e.g., weather events, your neighbors may have to file a claim with their insurer to receive a reimbursement for the damage a down tree or branches cause.

There is one exception, however.

If it is determined that the tree damage stems from your negligence (e.g., dead limbs that you refused to cut down, or you chose to trim your tree as a weekend project), then the neighbor’s insurer may come after you to recover their loss—a process called subrogation.

You may want to check your policy or speak to your insurance agent to ascertain if your homeowners policy covers your liability in cases of negligence.

Your Goals, Our Strategies

Discover an array of services for all your insurance needs.

Buying a home is an exciting milestone in life, which is why make sure that your investment is protected, no matter what.

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With decades of experience, we're excited to make sure you get the coverage you need before you need it most.

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Take advantage of a team that remains flexible and vigilant, so you don’t have to.

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No two people are the same, and our insurance professionals know this better than most.

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Life can move pretty fast sometimes. Having life insurance can ensure you and your loved ones remain protected even during life’s unexpected events.

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Helpful Content

Helpful Content

Curated articles, videos, and more for a more educated you.

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Breaking Down the Parts of Medicare

Medicare is broken down into four specific parts—but what do they mean? This article will help you understand each piece.
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Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.
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<p>What is Risk?</p>

What is Risk?

Do you know what Risk is?
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Download Our Free Fire Safety Guide

Is your family prepared to handle a house fire? Do you know the steps to prevent one? Do you have a go-plan to keep your family safe in the event of a fire emergency in your home? If not, our free ebook can help. Sign up below to receive your copy of “Stop, Drop, and Go: 12 Essential Steps To Keep Your Family Safe from Fire.”

Have a question? We're ready to help.

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