Personal Lines

Coverage is universal in need, but yet not often fully understood. Has your current agent explained what all the different coverage options actually mean so you know what you’re buying? Have you ever been told about the gaps that might exist for relying on your own auto insurance while renting a car or using your vehicle to haul other passengers for a fee? Having the right limits is important, but we also need to know about you and your driving habits as many factors affect your rate. We want make sure you get all the discounts you are entitled to. We even have programs where you can earn additional discounts (up to 30%) if you allow a monitoring device in your car – with no downside!

For most of us, our home, is our most valuable asset. At IISI, we think it is crucial to have the right coverage with the appropriate limits to protect your family and it’s belongings for a competitive price. Multi policy discounts, special limits for guns, jewelry, and collectibles, sump pump, earthquake, and flood are just a few of the things we should discuss. Nobody wants a surprise when it comes time for a claim! When is the last time you took a serious walk through your home to see what add-on or purchases you’ve made since the last time you updated your homeowners insurance?

Whether you own a prized Harley, Gold Wing, or other fine motorcycle or even a dirt bike, helping you choose the coverage that best suits you is our goal. We have several insurance carriers to choose from and most of them also have great rates for mature, experienced riders. We can insure a majority of all motorcycles, trikes, and rider… even you Evel Knievel’s of the world.

Contact us to learn more about boat insurance.

If you have done well enough in life financially and reached a point where protecting your assets is now more important than ever, you need to talk to us about an umbrella liability policy. Perhaps you have young and inexperienced drivers in your household or find yourself at fault in a serious accident with injuries, your assets could all be at risk! We are all aware of our increasingly litigious society and when lawyers get involved, the cost of any claim climbs remarkably fast, while the limits of your underlying auto policy disappears equally fast. $100,000 doesn’t cover near what it used to even 10 years ago! Umbrella coverage is a very inexpensive way to give yourself additional piece of mind.

While you can buy a FEMA Flood policy from many places all with the same rates, you are likely missing out on big savings if you don’t look at private market flood policies! The coverage is the same, but the insurance company isn’t FEMA – it is a private company with reinsurance through Lloyds of London or other similar reinsurance companies. FEMA policies will continue to increase – Private Market policies have been more stable.