Personal Insurance Quotes
At Wolfe Insurance Agency, we take pride in our wide selection of quality products. All of the products we offer are from trusted brands with impeccable records. If you own it, we can insure it. We will happily help you get the optimal insurance coverage at a price you can afford.
Auto Insurance
Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states. The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft, or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
ATV Insurance
All-terrain vehicles (ATV) are becoming increasingly popular. ATVs now come in a variety of models. Insurance companies have a different set of rules for providing coverage for ATVs, depending on the vehicle type.
ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.
Boat & Marine Insurance
Boat or Marine insurance is available for small boats, yachts, high-performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Collector Car Insurance
You may have noticed there's a big difference between classic car insurance policies and regular use policies, including cost.
Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don't know how to treat your specialty or collector car. Classic cars can also include: Exotic autos new and old, muscle cars, sports cars of all ages, and rare or desirable cars.
Condominium Insurance
Condominium insurance provides coverage for your unit where your condominium association insurance stops. Your association typically insures the building and other common areas.
You are responsible for the interior of your unit. Typically, you need personal property and liability coverage in addition to coverage for your floors, walls, cabinets, and fixtures that your association's insurance probably will not cover.
Flood Insurance
Did you know that your homeowner’s insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture, and remove debris.
The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.
Homeowners Insurance
If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well-written homeowners’ policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by the quality of the insurer and whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way - unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader, and the burden of proof is on the carrier, not you, in the event of a loss.
Mobile Home Insurance
Mobile home or manufactured home insurance not only covers your mobile home; it can also cover:
Detached structures on your property, such as a carport or garage, your personal belongings Living expenses if your home is seriously damaged by a covered loss Injuries that might occur on your property (up to the limits you choose on your mobile home insurance policy).
Mobile homes, manufactured homes, and modular homes are all eligible for coverage under a mobile home insurance policy.
Motor Home / RV Insurance
As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection.
Whether your Motor Home / RV Insurance needs are travel-trailer, fifth wheel, camper, or Class A Motor Home Insurance, Wolfe Insurance Agency offers you a variety of motor home insurance coverages.
Motorcycle Insurance
Whether you’re an enthusiast or a first timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Personal Umbrella Insurance
You don't have to be a millionaire to be sued like one. Million-dollar judgments against individuals for negligence are still relatively rare. However, receiving a lawsuit with a million-dollar demand is more common. If you receive such a court summons and you have only $100,000 of coverage, you may lose a lot of sleep.
Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys.
Personal Watercraft Insurance
Personal watercraft, such as jet skis and wave runners, are often our customer's first step into the boating world. Personal watercrafts are extremely invigorating and fun for water lovers of all ages; however, they are not toys.
If you have several personal watercrafts, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.
Rental Property Insurance
If you own a rental or investment property, you should make sure that you carry adequate rental property insurance coverage. Accidents may occur and ultimately cause damage to your investment property. If you do not have the necessary insurance, you will be responsible for the full financial cost.
Types of properties include Commercial Property, Vacant Property & Land, Rental Homes, Commercial Investments, and Residential Investments.
Renters Insurance
If you live in a rented house or an apartment, renters’ insurance provides important coverage for both you and your possessions. In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters’ insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.
Snowmobile Insurance
Because people use their snowmobiles in so many different ways, it can be very challenging to find good, low-cost insurance. From a classic Skidoo to the latest Yamaha Apex model, from touring sleds to back country machines, every snowmobile and every rider has a different insurance need. We can insure your home and cars, and we take care of your snowmobiles, too. Affordable snowmobile insurance coverage that helps protect you, your passenger, and your snowmobile.
Valuable Items Insurance
Your possessions may be more valuable than you realize. Most homeowners’ policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need with a comprehensive valuable items insurance policy.
A variety of properties may be covered by valuable items coverage including, Artwork, Books, Coins, Firearms, Jewelry, Memorabilia, Musical Instruments, Oriental Rugs, Silverware, and Stamps.