Auto Insurance
We are a nation on wheels. Everyone has at least one car. We use them to get to work, drive the kids to school, run our everyday errands – for everything we do! Your Hometown Professionals understand how important your auto is to you and can help protect you from a large financial loss should an accident happen with comprehensive coverages and money-saving discounts.
We Insure:
- Cars
- Trucks
- Motor Homes
- Motorcycles
- RVs
- Campers
- Trailers
- Antique & Classic Vehicles
- Commercial Fleets
Available Discounts:
- Multi-Car
- Auto-Home
- Claim Free
- Mature Drivers (45+)
- Low Mileage
- Good Student
- Financial Stability
Coverage Enhancements:
- Rental Reimbursement
- Sound Receiving and Transmitting Equipment Coverage
- Personal Umbrella Liability Coverage
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Home Insurance
The very word brings us a sense of comfort. And, there’s no place like it. Your home is important to you and it is important to have it properly insured. You can depend on your Hometown Professionals to give you a simple, straightforward explanation of what insurance coverages you need to fully protect your home and its’ possessions.
We insure:
- Homes
- Condominiums
- Apartment Residents (personal property)
- Mobile Homes
- Rental Properties
Available Discounts:
- Auto-Home
- Mature Homeowners (45+)
- Homes under construction
- Renovated Home
- New Home
- Protection Device
- Financial Stability
Coverage Enhancements:
- Water Back-up of Sewers or Drains
- Identity Fraud Expense Coverage Endorsement
- Earthquake
- Boats
- Personal Computers
- Refrigerated Property
- Personal Umbrella Liability Coverage
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Business Insurance
Running your own business gives you a great feeling of accomplishment. You fought against the odds and worked long, hard hours. And, it’s paid off. Your Hometown Professionals are local business owners just like you and with their local approach of doing business and personal service will offer you detailed coverages to protect your livelihood against the unexpected.
We insure:
- Commercial Property
- Business Liability
- Inland Marine
- Workers Compensation
- Bonds
- Commercial Autos
- Commercial Umbrella
Coverage Enhancements:
- Earthquake
- Computer Equipment
- Outdoor Signs
- Employee Dishonesty
- Equipment Breakdown
Businesses we specialize in:
- Home Builders
- Residential Contractors (electrical; carpentry; flooring; janitorial; excavating; plumbing; heating and a/c; landscaping; concrete; etc…)
- Self-service and Full-service Gas Stations
- Dealerships (auto, motorcycle, boat, RV, etc…)
- Office Buildings
- Apartment Complexes
- Condominium Associations
- Retail Businesses
- Churches
- Funeral Homes
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Life Insurance
Whether you have a growing family, are planning for retirement, or thinking about your financial future, your Hometown Professionals have a genuine desire to help you find the right life insurance or annuity for your individual needs backed by the financial stability and strength of our highly rated insurance companies. Protect the important things with life insurance.
Available Coverages:
- Life Insurance - Life insurance isn’t about some policy tucked away for safekeeping. It’s about knowing you’re protected. Our Life Insurance Company’s full array of life and annuity products can help protect your family and your assets.
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Health Insurance
Health care used to be as easy as going to Mom for a band-aid and a kiss. Today, everyone is concerned about the high cost of medical care and the possible loss of income. You’ll feel better after talking to your Hometown Professionals about the top-quality Group and Individual Health Care plans, including disability income and Medicare supplement that will give you the best value for your healthcare dollars.
Available Coverages:
- Individual Health Insurance – We all have a need to protect ourselves and our families from the high cost of medical care and loss of income. We a choice of individual health insurance plans including Major Medical, Disability Income, & Medicare Supplement coverage.
- Group Health Insurance – We understand that choosing a Company to provide benefits for your employees is one of the most important, yet difficult decisions you must make. So, we’re here to help you by providing great products at an affordable price, backed by personalized service.
Bonds Information
A surety bond is a contract among at least three parties:
- The principal – the primary party who will be performing a contractual obligation
- The obligee – the party who is the recipient of the obligation, and
- The surety – who ensures that the principal’s obligations will be performed.
Through a surety bond, the surety agrees to uphold — for the benefit of the obligee — the contractual promises (obligations) made by the principal if the principal fails to uphold its promises to the obligee. The contract is formed so as to induce the obligee to contract with the principal, i.e., to demonstrate the credibility of the principal and guarantee performance and completion per the terms of the agreement.
The principal will pay a premium (usually annually) in exchange for the bonding company’s financial strength to extend surety credit. In the event of a claim, the surety will investigate it. If it turns out to be a valid claim, the surety will pay it and then turn to the principal for reimbursement of the amount paid on the claim and any legal fees incurred.
A key term in nearly every surety bond is the penal sum. This is a specified amount of money which is the maximum amount that the surety will be required to pay in the event of the principal’s default. This allows the surety to assess the risk involved in giving the bond; the premium charged is determined accordingly.
Bond Quote Form
Looking for coverage? Click any the following links to submit a quote for quick, accurate and affordable rates.
