Kollhoff Insurance Agency Management Center :: Personal Insurance

Automobile insurance is not about the vehicle, but rather it is about the people inside the vehicle. Most people do not realize that there are significant differences in the quality of automobile insurance policies. These differences become painfully apparent in the event of a serious accident. We offer insurance programs from respected carriers that offer exceptional coverages and value. Regardless of the type of vehicle you own we can tailor a policy for your needs and budget. Allow us the opportunity to present you with an insurance proposal for your vehicles.

For most people their home is their largest investment, and protecting that investment through the purchase of high quality insurance is important. At the same time a home is far more than just an investment. It encompasses a space where we live, but also a history of each individual family’s memories and cherished belongings. As an independent agency we represent many excellent insurance companies where we can match your needs to a specific company. Tailoring a policy to your needs enables us to deliver quality claims service at the time of loss. We look forward to you contacting us to review your home insurance needs.

Condominiums need very specific insurance coverages which are either limited or not included on a standard homeowner’s insurance policy. Given the condo insurance complexity, they need to be customized to fit your actual needs.

Lawsuits against individuals for personal injury and property damage are growing in both frequency and size. We can remedy this situation by providing personal umbrella liability protection. Coverage limits start at $1,000,000 and provide excess insurance over your personal and automobile policies. The cost is low to moderate depending on your exposures to loss.

Dwelling fire policies are for those residences which do not qualify for a homeowner package-type policy, usually because of occupancy. This type of policy is typically used for non-owner occupied residences. Have rentals? Call or stop by to compare rates.

Individuals who rent homes or apartments need to insure their personal property and cover themselves for any personal liability they may have. Landlord’s insurance policies will likely not cover the tenants’ belongings. Polices can be very inexpensive and may even qualify auto insurance policyholders for home/auto discounts.

We represent several insurance companies who have specialized mobile home programs. Whether you’re looking to purchase a new mobile or manufactured home or buy an existing one, we have the knowledge to provide you with a product that suits your needs.

A motorcycle can be insured on many automobile policies or insured on its own policy. The insurance coverage for motorcycles largely mirrors an automobile insurance policy. Customized parts and equipment can be added to motorcycle policies for a more personalized insurance policy.

Watercraft insurance is needed to cover boats ranging from yachts to personal watercraft. It is important to tailor the coverage to the individual boat. There is very little uniformity in the insurance marketplace for watercraft, and it is important to insure your valuable investment with the proper coverage. We represent several fine insurers who will insure your boat individually or as an attachment to a homeowner policy.

Our insurance agency can provide you excellent coverage for your recreational vehicles at reasonable cost. Snowmobiles, ATV’s dune buggies, and jet skis are commonly insured recreational vehicles.

Motor Homes require specialized automobile insurance. The size and values of these vehicles vary widely There is very little standardization of coverage between insurance companies. It is very important to work with a knowledgeable insurance agent in establishing a good program of coverage. We represent several fine insurers which have excellent motor home programs.

From jewelry to collections it is important to specifically insure items of higher value. If an item cannot be easily replaced due to rarity, it may be a good candidate to specifically add, or “schedule” it to your homeowner, condo, or renter’s insurance policy. We also offer individual programs for large collections of various items. A review of your household personal property may surface some high valued items.

Builder’s Risk insurance provides coverage for the individual who is building his home or commercial building. A builder’s risk program begins with the laying of the foundation and concludes with the finished dwelling or commercial building. While under construction the insurance company can provide you with coverage for the theft of your building materials. We represent many fine insurers who have excellent programs for builder’s risk.

Farmowners have unique insurance needs in that their personal and business lives are often intertwined. The farm policy protects the farmer for loss to his personal property and farm property. Farm property includes outbuildings as well as the mobile equipment needed to run a farm. Farm liability includes a farmer’s personal liability and liability for his farm related business activities.

Flood IS NOT COVERED under a typical property insurance policy. The National Flood Insurance Program (NFIP) is a federal government program designed to provide coverage for surface water damaging a home or business. For individuals residing outside of flood plains, coverage may be very inexpensive. Give us a call for a personalized flood insurance proposal.