Most home policies do not carry the correct amount of Back-Up of Sewers or Drains coverage or does not carry this coverage at all. If this coverage is not carried on your homeowners policy, you will have no coverage for Back-Up of Sewers or Drains. (sump pump failure)

Back-Up of Sewers or Drains Coverage pays for everything** damaged except the plumbing repairs &/or cost of installing a new sump pump up to the specified limit on your policy.  Your policy does not pay for what caused the damage only the damage it caused. Your policy deductible will apply.

I.e. Your sump pump fails and you have $5,000.00 in building repairs, $2,000.00 in contents ruined/damaged and the clean up is $3,000.00 we will only be pay the limit specified on your homeowners policy. You will assume the remaining cost to clean up and replace damage items.

Most companies now have limits available up to $25,000.00 and more. Please give us a call if you would like to increase this coverage before you need it.

**Everything entails: furnace, furniture, washer/dryers, flooring, moldings, clothing, seasonal items, etc. Anything you have that the water back up ruined is covered here.

Are You Waiting for Us to Ask?

Surveys tell us that half of all American households have no life insurance other than a group policy at work.  Most people say they know they need more life insurance protection for their loved ones, but haven’t done anything about it.  Here are the leading reasons people give for not having life insurance.   Does one of these sound like you?

1. Don’t know what I need and what to buy. We are here to answer your questions.  No pressure, no obligation, just free advice.  There are no dumb questions when it comes to providing for your loved ones.
2. Don’t think I can afford it.  High price is a common misconception about life insurance.  As the average life span continues to get longer, life insurance rates continue to decline.  A 25-year-old male can get $250,000 of term life insurance for as little as $17per month.  Term life for a healthy 45-year-old would cost about $31 per month.  A 65-year-old male could get $10,000 of final expense coverage for $49 per month.  Female rates are generally even lower.
3. Haven’t gotten around to checking into it.  Just a phone call to our agency can get your set.  We will make it simple.
4. I am Immortal!  Being in the insurance business, our staff hears startling examples of totally unexpected and untimely deaths all too frequently.  The best time to buy life insurance is when you are healthy, while coverage is affordable.

Some of our companies, like Auto-Owners Insurance Company, offer substantial multi-policy discounts on your homeowners and auto policy when you have your life insurance with the same company.  These savings can go along way toward paying the cost of your life insurance.  Ask us about discounts available to you.

Remember, life insurance is for the ones you love.  Call us today!