Personal Insurance
A Perfect Fit for Every Step in Life
We are an Independent Insurance Company that shops multiple insurance carriers for quality insurance at the best value. We are not locked into one brand and will find you the best coverage for your personal or professional business insurance needs.
HERE TO HELP
A Perfect Fit for Every Step in Life
We are an Independent Insurance Company that shops multiple insurance carriers for quality insurance at the best value. We are not locked into one brand and will find you the best coverage for your personal or professional business insurance needs.
HERE TO HELP
Homeowners
Your home may be your most valuable asset, and your insurance coverage should reflect that. Avoid being one of many who have serious gaps in coverage because the policy was only centered on the mortgage requirement. We can help you understand the difference between the replacement cost of your home and the real estate value so that you are purchasing the adequate amount, not more than you need; and if you have a loss, you will be properly covered.
Umbrella
An umbrella policy is designed to shelter you from the most violent storms in life. Once thought of for only high net-worth clients, an umbrella policy can offer peace of mind to anyone who might be sued as a result of a car, motorcycle, or boating accident, from a negligent act on behalf of a homeowner or landlord, or even the careless acts of a parent or child. Even if you don’t think you are at fault, an umbrella policy may even help pay legal costs to defend you until your innocence is proven.
Watercraft
Although some boats can be added to a homeowner policy, FIFS thinks that coverage is better off on its own policy for several reasons. Numerous homeowner claims can trigger a cancellation, so writing a separate policy can help avoid losing your homeowner coverage. Also, a homeowner policy may not provide replacement cost (or even stated value coverage for your boat) and may pay actual cash value at the time of the loss. A separate policy can include valuable coverage like off-shore towing, personal effects, and even pollution coverage which is excluded on a homeowner policy.
Rental Property
Rentals can be a good source of income but also a big liability. Consider putting your rental into an LLC for the best protection. Also, it is important to help manage your exposure with credit checks, references, and a good lease agreement. Consider requiring your tenant to purchase renter’s insurance and add the name of the deeded owner (you or the LLC) to the policy as an additional insured. This will provide you with the maximum protection against tenant negligence.
Disability
You are statistically more likely to become disabled than die, yet this coverage is often overlooked due to its higher cost than life insurance. Purchasing this valuable coverage is especially important if you are self-employed, are not covered under workers compensation, or simply because of your lifestyle.  We encounter risk every day that could affect our ability to work, so consider disability insurance to protect your ability to pay ongoing expenses in the absence of a your paycheck.
Medicare Products
Retirement can lead to many questions and concerns about ongoing health care coverage. Whether you are nearing retirement, have already retired, or are helping a parent or loved one with their health care options, FIFS can help you navigate your options in the senior healthcare marketplace. Explore your Medicare, Medicaid, and Part D options by setting up an appointment today.
Flood
Flood waters are a powerful force and cause major damage to property. Understanding what is and is not considered flood damage or covered under a flood insurance policy can be complicated…the house, not the contents; surface water vs backup of sewer and drains; the list continues. A homeowners policy always excludes flood damage because it is only offered through the National Flood Insurance Program. We can help you decide if a flood policy is needed for your property and if so, provide you with a flood insurance policy.Wedding
Include wedding insurance on your to-do list so that you don’t have a large financial loss if something unexpected occurs leading up to or on your big day. Let FIFS give you peace of mind knowing that you’ll have someone on your side if a vendor doesn’t show, a storm blows in or the rings are lost.Personal Auto
An auto policy is complex with many coverage options to select. In addition to all of those choices, every insurance company offers different coverages so no company is the same. How do you compare one to the next? At FIFS, we take the time to find the coverages best for you and find the company that offers the best value to you.
Antique/Classic Vehicles
Many specialty companies offer reduced premiums for cars other than your daily drivers, as long as they meet certain criteria and guidelines. Navigating these special circumstances often result in missing or inadequate coverage. FIFS has access to all the major carriers at the same price as buying direct, however, our value is that we can help to manage all of your personal exposures to be sure that your protection is consistent across all policies.
Motorcycle
You’ve put your heart and soul into your bike. We get it. Let us help you protect you and your ride.
ATV/Snowmobile
Maximize your fun by knowing you have the best coverage for your ATVs, UTVs, and snowmobiles. There are many exclusions on a home and auto policy when it relates to these vehicles. Contact us today for a cost-effective policy.
Motorhome/Travel Trailer
There are benefits to having a separate policy for your motorhome or travel trailer. We can help you decide if a motorhome or travel trailer policy would be best for you.Life
There are many reasons to purchase life insurance and income replacement is the most common. Consider how long you might want your income to continue in your absence, and then round up to pay off any outstanding debts like a mortgage, car, or student loans. Employer-provided life coverage is a nice benefit, but you typically cannot take it with you if you leave your job. FIFS recommends having a quality life policy in addition to any employer-provided coverage to protect your insurability and to make sure you have adequate coverage in place when you need it most.
Individual and Family Health Plan
Whether you are self-employed, in between jobs, or your employer does not provide health care coverage, you should consider health insurance a necessity in today’s climate of high health care costs. FIFS can help you navigate the marketplace to find you the right coverage for your budget.Â
Long Term Care
With rising costs of health care and senior living facilities, it is important to think about the financial challenges you may face if you can no longer live independently in your home. Despite market volatility, there are still options in order to offset some of these costly facility expenses. Contact FIFS to explore your Long Term Care options.
Homeowners
Your home may be your most valuable asset, and your insurance coverage should reflect that. Avoid being one of many who have serious gaps in coverage because the policy was only centered on the mortgage requirement. We can help you understand the difference between the replacement cost of your home and the real estate value so that you are purchasing the adequate amount, not more than you need; and if you have a loss, you will be properly covered.
Personal Auto
An auto policy is complex with many coverage options to select. In addition to all of those choices, every insurance company offers different coverages so no company is the same. How do you compare one to the next? At FIFS, we take the time to find the coverages best for you and find the company that offers the best value to you.
Umbrella
An umbrella policy is designed to shelter you from the most violent storms in life. Once thought of for only high net-worth clients, an umbrella policy can offer peace of mind to anyone who might be sued as a result of a car, motorcycle, or boating accident, from a negligent act on behalf of a homeowner or landlord, or even the careless acts of a parent or child. Even if you don’t think you are at fault, an umbrella policy may even help pay legal costs to defend you until your innocence is proven.
Life
There are many reasons to purchase life insurance and income replacement is the most common. Consider how long you might want your income to continue in your absence, and then round up to pay off any outstanding debts like a mortgage, car, or student loans. Employer provided life coverage is a nice benefit, but you typically cannot take it with you if you leave your job. FIFS recommends having a quality life policy in addition to any employer provided coverage in order to protect your insurability and to make sure you have adequate coverage in place when you need it most.
Individual and Family Health Plans
Whether you are self-employed, in between jobs, or your employer does not provide health care coverage, you should consider health insurance a necessity in today’s climate of high health care costs. FIFS can help you navigate the marketplace to find you the right coverage for your budget.Â
Medicare Products
Retirement can lead to many questions and concerns about ongoing health care coverage. Whether you are nearing retirement, have already retired, or are helping a parent or loved one with their health care options, FIFS can help you navigate your options in the senior healthcare marketplace. Explore your Medicare, Medicaid, and Part D options by setting up an appointment today.
Rental Property
Rentals can be a good source of income but also a big liability. Consider putting your rental into an LLC for the best protection. Also, it is important to help manage your exposure with credit checks, references, and a good lease agreement. Consider requiring your tenant to purchase renter’s insurance and add the name of the deeded owner (you or the LLC) to the policy as an additional insured. This will provide you with the maximum protection against tenant negligence.
Antique/Classic Vehicles
Many specialty companies offer reduced premiums for cars other than your daily drivers, as long as they meet certain criteria and guidelines. Navigating these special circumstances often result in missing or inadequate coverage. FIFS has access to all the major carriers at the same price as buying direct, however, our value is that we can help to manage all of your personal exposures to be sure that your protection is consistent across all policies.
Motorcycle
You’ve put your heart and soul into your bike. We get it. Let us help you protect you and your ride.
ATV/Snowmobile
Maximize your fun by knowing you have the best coverage for your ATVs, UTVs, and snowmobiles. There are many exclusions on a home and auto policy when it relates to these vehicles. Contact us today for a cost-effective policy.
Motorhome/Travel Trailer
There are benefits to having a separate policy for your motorhome or travel trailer. We can help you decide if a motorhome or travel trailer policy would be best for you.Watercraft
Although some boats can be added to a homeowner policy, FIFS thinks that coverage is better off on its own policy for several reasons. Numerous homeowner claims can trigger a cancellation, so writing a separate policy can help avoid losing your homeowner coverage. Also, a homeowner policy may not provide replacement cost (or even stated value coverage for your boat) and may pay actual cash value at the time of the loss. A separate policy can include valuable coverage like off-shore towing, personal effects, and even pollution coverage which is excluded on a homeowner policy.
Disability
You are statistically more likely to become disabled than die, yet this coverage is often overlooked due to its higher cost than life insurance. Purchasing this valuable coverage is especially important if you are self-employed, are not covered under workers compensation, or simply because of your lifestyle.  We encounter risk every day that could affect our ability to work, so consider disability insurance to protect your ability to pay ongoing expenses in the absence of a your paycheck.
Long Term Care
With rising costs of health care and senior living facilities, it is important to think about the financial challenges you may face if you can no longer live independently in your home. Despite market volatility, there are still options in order to offset some of these costly facility expenses. Contact FIFS to explore your Long Term Care options.
Flood
Flood waters are a powerful force and cause major damage to property. Understanding what is and is not considered flood damage or covered under a flood insurance policy can be complicated…the house, not the contents; surface water vs backup of sewer and drains; the list continues. A homeowners policy always excludes flood damage because it is only offered through the National Flood Insurance Program. We can help you decide if a flood policy is needed for your property and if so, provide you with a flood insurance policy.Wedding
Include wedding insurance on your to-do list so that you don’t have a large financial loss if something unexpected occurs leading up to or on your big day. Let FIFS give you peace of mind knowing that you’ll have someone on your side if a vendor doesn’t show, a storm blows in or the rings are lost.
Our Commitment to Professionalism
The emphasis we place on education sets us apart from our competitors. Some of the many designations achieved by our staff include Certified Insurance Counselor (CIC) and Certified Insurance Service Representative (CISR).
Wherever life takes you, it’s important to be aware of your changing insurance needs.
We listen and learn about your lifestyle, personal goals, and insurance needs
We review your current insurance program to see if it is meeting your expectations.
We advise you on the proper coverage necessary to achieve your personal goals.
We serve you by providing timely responses to your questions, changes to your policy and claim inquiries.
We value strong and lasting relationships with our clients.
We guide you along your journey, adapting your coverage through life’s transitional stages.
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