Personal Insurance
Personal insurance is just that, personal. No two situations are exactly alike, so policies vary case by case.
At TBA, our Agents will work with you to create an insurance program to protect your home, auto, watercraft, and other valuable items at the most reasonable costs our carriers can provide.
How we work for you:
1. We meet with you to determine your insurance needs
There are thousands of insurance policies and companies. Prices can vary greatly. Some
policies give more coverage than others. Some companies are better than others. How do you choose? We will meet with you will find the right coverage for you, your family and your budget.
2. We save you money by finding discounts
Most insurance companies offer discounts on different kinds of insurance, such as auto
coverage. We will keep your costs down by finding the best discounts for which you qualify.
3. We offer other money-saving strategies
For example, we will tell you whether it's cheaper to insure your teenage driver on your family
auto policy or a separate policy. Ask us for advice. You'll get it.
4. We suggests safety improvements
We can help make your business safer from hazards. We will personally inspect your business before making any coverage recommendations. You may discover you need new safety features such as guard rails or stronger locks. This kind of attention could save you the headache of
costly claims or lawsuits down the road.
5. We will recommend updates to your coverages
Let's say you buy a new car, move into a new home, have a child, or your business grows. As
you change, so do your insurance needs. We will meet with you to review your coverage periodically. We will also suggest changes in your insurance to keep you and your family
protected and secure.
6. We will explain your policy
We will be happy to explain complex insurance policies in language that is easy to understand.
Just ask. We will clearly outline the terms of the policy, its conditions, coverages and costs. You need to know what it does -- and doesn't do -- before you have an expensive claim.
7. We help handle your claims
Once notified by you, we will contact the insurance company and get the claim process rolling,
help you fill out claim forms, advise you on the progress of your claim and work closely with the insurance company to make sure you get a prompt and fair settlement of a valid claim.
8. We help resolve your problems
Have a question about your policy or bill? Have A problem with your claim? Unsure where to
go for answers? We will get answers for you - and help solve your problems quickly and fairly.
9. We are your friend in your community
Our Agency’s staff is highly involved in your community. Many are active in charity, civic and school groups. In short, we are local helping local people – not a telephone number. We're your neighbors and your friends.
Sure, the price of insurance is important. But never shop on the basis of price alone. Real value means so much more. You want insurance that provides the right kind of protection for your needs. Call us today!