Our Services

01

Auto Insurance

Auto Insurance Information

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company.

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you’re financing a car, your lender may also have requirements. Auto insurance provides property, liability and medical coverage.
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02

Homeowners Insurance

Homeowners Insurance Information

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy.

What is Homeowners insurance?

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.
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03

Business & Commercial Insurance

Business & Commercial Insurance Information

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car.

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel — liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than your name.
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04

Business Insurance Bonds

Business Insurance Bonds Information

An issuer of a bond can purchase bond insurance to guarantee scheduled payments of interest and principal on the bond.

What is bond insurance?

An issuer of a bond can purchase bond insurance to guarantee scheduled payments of interest and principal on the bond to its bondholders in case the issuer defaults. Once the issuer purchases bond insurance, its credit rating is replaced with the insurer’s credit rating. Premiums are a measure of the perceived risk of failure of the issuer and are paid to the insurer in either lump sums or installments.
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05

Bail Bond

Bail Bond Information

A written promise signed by a defendant or a surety(one who promises to act in place of another) to pay an amount fixed by a court.

What is bail bond?

A written promise signed by a defendant or a surety(one who promises to act in place of another) to pay an amount fixed by a court should be defendant named in the document fail to appear in court for the designated criminal proceeding at the date and time specified.
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Insurance Glossary

Insurance terms and definitions from #1 Insurance by Ron Davis.

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Refer a Friend

Refer your friend to #1 Insurance byRon Davis.

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See Our Carriers

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About Us

Quickly and easily submit your application for a free automobile insurance quote using our easy to use website. As a customer, you will enjoy our suite of customer service forms all from your local agent. We are here for you twenty-four hours a day, seven days a week. We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we find the right coverage, with the best company, at the best price for you.