Covering You and your Family

AutoHomeATV’sMotorcycleBoatsTrailersCatastropheUmbrella
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Auto Insurance

Do you have adequate coverage on your vehicles?  Do you know what your liability limits cover?  Our insurance agets are not only here to find you the most affordable premium, but they are also here to educate you on your insurance needs.  Get in touch with us for a free quote!

  • Personal Automobile
  • Classic/Antique
  • SR-22
  • Named Non-owner

Protecting your home and everything in it

Homeowners Insurance provides financial protection against unforeseen disasters.  This includes property damage, or any legal liability issues.  Whether you own, rent, or are building your dream home, we are here to help you get the coverage you need.  We know your home is a lifelong investment.  Let us help you put your mind at ease knowing you have the proper coverage.

  • Manufactured Homes
  • Farms
  • Secondary/Seasonal Homes
  • Builders Risk/Course of Construction
  • Vacant Homes
  • Homeowners
  • Renters/Tenants
  • Rental Properties/Dwelling Fires
  • Cabins
  • Mobile Homes

ATV’s

In case you love climbing the sand dunes or playing in the powder, we’ve got the policy for you!  Make sure you have the coverage you need in the event of a loss, accident, injury, damage, or theft of your recreational vehicle.  Your policy can provide liability and medical losses for you, your passengers, or other parties involved.

  • 4-wheeler/3-wheeler
  • Side-by-sides
  • Golf Carts
  • Snowmobiles

Motorcycle Coverage

Whether cruising around town or touring the country, motorcycle insurance provides protection in the event of an accident, theft, damage, or vandalism.  In case you are responsible for an accident, your motorcycle policy will extend liability coverage for another person’s injuries or property damage.  Your policy can also include medical coverage for you and your passenger.

  • Road Bikes
  • Dirt Bikes
  • Tricycles
  • Scooters/Mopeds

Boats

When you plan to spend a fun day out on the lake, the last thing you expect to happen is an accident.  In the event that an unfortunate incident occurs, you want to be sure your watercraft is insured.  The risks of not having them insured can include not only the financial burden of repairing your own watercraft, but the potential expense of damage to someone else’s property, or even medical bills.

  • Yachts
  • Sailboats
  • Houseboats
  • Fishing Boats
  • Ski Boats
  • Jet Skis

Trailers

Did you know that in the event of a home loss, damage to your vacation trailer is not covered?  Make sure your trailers have the correct coverage to fit your needs, such as theft, damage, vandalism, injury, medical, and liability coverage.  When taking a trip with family or friends, vacation liability is the right coverage for you!

  • Campers
  • 5th Wheel
  • Utility
  • Motorhomes

Catastrophic Protection

Do you know that flood, earthquake, and landslides are not covered in your basic home policy?  We offer a Catastrophe policy that will provide coverage for all three perils, or we can cover each of these perils as a stand-alone policy.

  • Flood
  • Earthquake
  • Landslide

Umbrella

An umbrella policy provides you with better protection against major claims and lawsuits.  It gives you additional liability coverage on your home, auto, watercraft, and recreational vehicle policies.  Make sure your assets and your future are well-protected!

We cover things which are not planned for and that go beyond the limits of standard policies.

What’s the difference between liability and full coverage?  What does water back-up mean?  Do I need flood insurance?  How about earthquake?  What’s my deductible again?  These common personal insurance questions can be quite confusing or misunderstood, but we at Protective Insurance Agency have the solution for you.  Our friendly personal line agents are at your service.  We’ll listen to you and answer your every question to assist you in getting the coverage you need!

We are different than your typical insurance provider because we are an agency that works with several insurance companies to find the best coverage and rates for each of our customers.  We consider ourselves to be an honest and reliable partner to our customers and believe in creating long-term relationships with them.

We stand by you from beginning to end with the help and advice you need in the event you have to report a claim.  We take the time to make sure every renewal gives you the most competitive rates.  If you are unhappy with an insurance company or their rates, we will re-quote your policies with our other companies.

We always seek to exceed our clients’ expectations while keeping their interests above our own.  That’s why at Protective Insurance, we strive to insure our clients for a lifetime!

Want to Know Your Options?

Request a quote and an agent will reach out typically the next business day with a no pressure consultation.

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