Your Insurance Agency
Insurance Products
We take pride in our consultative approach; at Your Insurance Agency, Inc. we take the time to understand your changing insurance needs, and will put a business insurance program in place that will deliver economy, superior protection, and risk management assistance.
Personal Insurance Products (Auto and Home Insurance)
- Personal PackageOne policy, one bill equals convenience and enhanced protection. We can combine your auto, home and other coverage in one comprehensive policy. We can start now with just your auto or home and 'package' the other coverage when your current policy expires.
- Homeowner Insurance
One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Personal Auto InsuranceYou need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
- Boat InsuranceOne policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
- Condo Insurance
One little policy does a lot. A condominium insurance policy reimburses you for damage to your condo, from the walls in, and from a variety of causes. If your condo is totally destroyed or you cannot use it for a period of time, your condo owners policy will also cover that. The insurance extends to your condo's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Home BusinessMore and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.
- Personal UmbrellaSometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
- Renters Insurance
One little policy does a lot. A renters policy covers all most all of your personal property in your apartment, and in some cases, out of your rental unit. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.
- Scheduled Personal PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
Commercial Insurance (Business Insurance)
- Business Auto InsuranceMaybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
- Business Owners PolicyThink of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
- Commercial General LiabilityYour business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.
- Commercial Package PolicyA Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of business.
- Commercial Property InsuranceThis type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
- Workers' Compensation InsuranceThis type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
Individual Health & Financial Products
- Financial ServicesFinancial products for individuals and families including life insurance, fixed annuities, disability insurance, mutual funds and IRAs.
- Life and Disability Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
Group Benefits
- Group Health InsuranceHealth insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
