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Auto Insurance

You need Auto Insurance to protect yourself should your vehicle be damaged or stolen. You also 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.

At Hometown we work very hard to find you the best deals possible on your auto insurance.

Many Discounts are available:
 
  •  Auto/Home Discount
  •  Good Student Discount
  •  Paid-In-Full Discount
  • Child away at school
  • and more....
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Homeowners Insurance

  • A homeowner policy can help protect you financially if you suffer a loss due to fire, theft, vandalism, or a variety of other causes. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Homeowners policies differ by which losses are covered, which coverages you choose and what type of residence you own.
 
  • A Renters policy is also a form of homeowners insurance to cover your personal property, such as clothing, furniture or electronic equipment, against several types of losses like damage from a fire or theft. Renters insurance also covers injury or damage stemming from your negligence or that of your family members.
 
  • We are always willing to sit down with you and personalize your homeowners policy to meet your specific needs.
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  Recreational Insurance

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We all think about insurance for our auto, home and health, but you may forget your recreational toys need coverage too.

Whether you want full coverage to help replace the time or just liability coverage, we can help you.
 
  • Motorcycle
  • RV, Motorhome, Campers
  • Boats & Watercraft
  • Snowmobile
  • ATV & UTV
  • And more....

Some recreational items can be endorsed onto your homeowners policies and some are on their own policies.  Call us today and we will help you decide what is best for you.
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Farm Insurance

Farm insurance can be tailored to protect anyone from the part-time farmer to the full scale agribusiness. Plans can include protection for your personal and business assets as well as legal liability insurance for both personal and farming pursuits. At Hometown Insurance we are always happy to meet with you, personalize your policy, and talk about any other insurance needs you may have!.

Crop Insurance can help protect your future earnings and provide the peace of mind when the weather doesn't cooperate. Contact us for more details.
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Umbrella 

Much like an umbrella, this appropriately-named insurance policy helps provide you with a canopy of protection against catastrophic financial events. Picture this:
 
  • The paper-boy falls down your front steps and successfully sues you for $2 million. But your homeowners insurance tops out at $500,000.
  • Your wife is at fault in a major car accident, harming several people and causing damage well in excess of your $300,000 car insurance coverage limits.
  • Your dog bites and seriously injures your neighbor and YOU are liable for the extensive medical expenses.

These are just a few horrible situations in which a personal umbrella policy could come to the rescue by providing additional coverage up to the limits of your umbrella policy.  In other words, once your primary insurance coverage runs out—whether it’s your homeowner’s insurance, car insurance, or boat insurance—your personal umbrella policy kicks in. Plus, it may cover many situations that typically aren’t covered by other liability policies.
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Flood Insurance

Even if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water.  What most people don’t know is that over 20 percent of flood insurance claims originate from areas that are NOT considered to be “high flood-risk”. Homeowner and business insurance policies generally exclude flood related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.
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