© 2018 by Ross Nesbit Agencies

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Insurance Services

 
Home

Your home is a huge investment, protect it. With home insurance you can protect your home and your possessions. You’ve worked hard for what you have, it’s important to have the right protection. There are many option of what home insurance can cover on your property. We can help you make sure that everything will be taken care of. Contact us today to see how we can protect one of your biggest investments.

Homeowners insurance covers losses to your home and any possessions inside it. Purchasing home insurance gives you the state of mind that losses caused by storms, fire, theft and other events will be covered. It will also cover any law suits from injuries that might have occurred on your property.

If you are a renter your landlord probably carries insurance on the building that you live in.  However, his building policy will NOT provide any coverage for your personal property, or against lawsuits against you due to your alleged negligence do to accidental bodily injury or property damage at your apartment or elsewhere. If your apartment has been broken into and items stolen renters insurance will cover the costs. Renters Insurance is very affordable.  When combined with an auto-home discount, renters insurance can often times almost pay for itself! 

 
Auto

The insurance protection you need when you’re on the move:

  • Car insurance plans are designed to help cover potential car related damages, loss or injuries financially. It helps protect you, passengers, other drivers, pedestrians, property and your car. Car insurance also helps protects you in the event of a lawsuit associated with an incident involving your car.

  • We will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage. We’ll clearly explain the options, so you can make the best decision on which plan works best for you.

Overwhelmed by all the auto insurance choices? Don’t be. We can make finding the right car insurance plan easy. Let us help you find the plan you need at a rate you can afford.

 
Business

Insurance for businesses makes up a large portion of what we do. This includes coverages for:

  • Property

  • Liability

  • Business Auto

  • Workers' Compensation

  • Crime

  • Mobile Equipment

  • Business Umbrella

  • Bonds

  • Cyber Liability

  • Employment Practices Liability

  • Directors and Officers Liability

We specialize in the following areas of business:

  • Agriculture

  • Places of worship

  • Municipalities

  • Wholesalers

  • Manufacturers

  • Contractors

  • Retail

 
Life & Health

Health Care benefits have been particularly in the forefront of clients' concerns. Our goal is to ensure our clients not only have the plans that are current and looking to the future, but more importantly, plans that specifically fit your particular needs and circumstances.

Life insurance is a crucial step in planning for your future and the future of your loved ones.

Life insurance policies will protect your beneficiaries with financial stability and security when it matters most. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:
 

  • Covering any lost income, helping continue the same standard of living

  • Paying off any debts

  • Paying for your children’s education

  • Covering funeral and related costs

Which is right for you?

 

First, always ask yourself why you need your life insurance policy and what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college or so your spouse will be able to pay off the mortgage? A temporary form of life insurance – term life – is well suited for these concerns. If you are more concerned about providing income to a widow or widower for life, funding retirement, or passing on wealth to future generations you will find permanent life insurance to be better suited for these goals. If you have a temporary goal in mind then term insurance is probably best.


However, if you are looking to address a long term need or concern then its best to look at the right permanent life insurance policies for you. Buying insurance of any kind is often confusing. There are always a lot of factors to be considered. Consult with us today to help determine the best type of life insurance and the appropriate premiums for your situation. Our agents are here to help you make a decision that’s right for you!